We are looking for a Credit Manager in Bhopal who would be responsible for Processing of Business Loan applications under surrogate & financials. Selected candidate would be responsible for evaluating and managing the creditworthiness of potential business borrowers, assessing risks, and ensuring compliance with company credit policies. He/ She would analyze financial information, monitor loan performance, and manage collections, ultimately minimizing financial risk and maximizing profitability for the lending institution. Role & responsibilities :
- Credit Assessment: Reviewing loan applications, financial statements, credit reports, and other relevant documents to assess a business's creditworthiness.
- Risk Analysis: Identifying potential risks associated with lending to specific businesses, evaluating their ability to repay loans, and determining appropriate loan terms.
- Loan Approval: Approving or rejecting loan applications based on creditworthiness and adherence to company policies.
- Credit Limit Determination: Setting appropriate credit limits for approved loans, ensuring they align with the borrower's financial capacity and risk profile.
- Interest Rate Determination: Determining interest rates for loans based on factors like credit risk, market conditions, and company policies.




- Loan Documentation: Ensuring the accuracy and completeness of all loan documentation, including loan agreements, security documents, and other relevant paperwork.
- Credit Monitoring: Continuously monitoring the performance of existing loans, identifying early warning signs of potential defaults, and taking necessary actions to mitigate risks.
- Relationship Management: Building and maintaining relationships with internal stakeholders, such as sales and relationship management teams, as well as external stakeholders, such as borrowers and industry professionals.
- Reporting: Preparing reports on loan performance, risk exposure, and other relevant metrics for management and other stakeholders. Preferred candidate profile :
- CA from Banks/NBFC with BL underwriting background
- Must have 2-5 years of work experience in BL underwriting and decent understanding of assessing audited financials, banking analysis and bureau reports knowhow
- Expertise in MS office and Loan application systems preferred.
- Should be competent in Sensing loan purpose, customer interaction, deliver in defined risk framework and uptime task completion etc.
- Should be based in Bhopal

📌 Credit Manager Business Loans (Bhopal)
🏢 Kotak Mahindra Bank
📍 Bhopal