Credit Manager

🚀 Exciting Career Opportunity at Kotak Mahindra Bank for a Credit Manager role in SBE/BL (Secured & Unsecured) Credit team based at Delhi, Meerut and Dehradun.

Inviting all CA experienced folks for an excellent opportunity to build your career with one of India’s leading private sector banks

*Position Details:

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• Position: Credit Manager – Business Loan/ SBE
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• Location: Delhi, Meerut and Dehradun
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• Grade: Manager, Sr Manager and AVP (M3/M4/M5)
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• CTC: As per industry standards
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*Job description :

We are looking for a Credit Managers who would be responsible for Processing of 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 :

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• Credit Assessment:
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Reviewing loan applications, financial statements, credit reports, and other relevant documents to assess a business's creditworthiness.

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• Risk Analysis:
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Identifying potential risks associated with lending to specific businesses, evaluating their ability to repay loans, and determining appropriate loan terms.

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• Loan Approval:
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Approving or rejecting loan applications based on creditworthiness and adherence to company policies.

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• Credit Limit Determination:
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Setting appropriate credit limits for approved loans, ensuring they align with the borrower's financial capacity and risk profile.

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• Credit Monitoring:
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Continuously monitoring the performance of existing loans, identifying early warning signs of potential defaults, and taking necessary actions to mitigate risks.

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• Relationship Management:
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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.

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• Reporting:
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Preparing reports on loan performance, risk exposure, and other relevant metrics for management and other stakeholders.

'05; Eligibility Criteria :

📌 Experience: 2-6 Years relevant experience in Secured & Unsecured Underwriting

📌 CA/ MBA-Finance – Full Time

🤝 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.

📌Location: Need local candidates from Delhi, Meerut and Dehradun

💼 Join Kotak Mahindra Bank and become part of a high-performance team driving growth in the secured lending business

📩 Apply Now on this excellent opportunity !