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Credit Manager-SALARIED PL AND WORKING CAPITAL-Credit

Employer
Kotak Mahindra Bank Ltd.
Location
Kairana Pānīpat, State of Haryāna, 132108 Muzaffarnagar, Muzaffarnagar, India
Salary
Competitive Salary
Closing date
Apr 21, 2024

View more

Job Role
Manager
Sector
Finance
Contract Type
Permanent
Hours
Full Time
Job Requirement ;

1) CA qualified professional with 3-5 years of work experience in Working Capital & Business

loans Secured only.

2) Must have at some Team Handling experience.

3) MBA in Finance with experience in Working capital underwriting may apply.

5) MUST HAVE EXPERIENCE IN SECURED WORKING CAPITAL CREDIT.

Role

Credit Appraisal
  • Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities
  • Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training
  • Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation

Stock on Hire: Increase in volume of business
  • Ensure that SOH increases(pl confirm if this applies to CM role )

NPA trend
  • Analyze the NPA trend like area, industry, sector etc.
  • Interact with Customers & understand the business and regularly monitor delinquencies / infants.

Infant loan which is less than 12 months NPA
  • Ensure qualitative portfolio
  • Ensure that there is no infant 12 months NPA

Daily tasks:
  • Daily accessing the loan file
  • Daily case discussion with Sales team
  • Preparing credit underwriting for the cases assigned
  • Personal discussion calls with customer financials & banking
  • Decision making with predefined TAT
  • Tele-verification calls to the customer

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