Area Credit Manager - Business Loans

Kotak Mahindra Bank Limited; Chennai; In loco; INR 1.400.000 - 2.100.000; Tempo pieno

Descrizione del lavoro

Kotak Mahindra Bank is seeking an Area Credit Manager-Business Loans-Credit in Chennai to assess credit risk and structure customized loan solutions for customers. The role involves end-to-end portfolio monitoring, regulatory compliance, and close collaboration with the Business Team.

The ideal candidate will have extensive experience in credit underwriting, strong analytical and communication skills, and a proven ability to prepare robust credit appraisals for approvals.

Competenze

• Experience in credit risk assessment and underwriting in banks/NBFCs.
• Strong analytical and managerial skills.
• Excellent communication and proposal writing abilities.

Mansioni

• Assess credit worthiness of potential customers.
• Structure and customize products to suit customer requirements considering risk profile, cash flows and security.
• Prepare detailed credit appraisal memo for approving authorities and defend proposals.
• Collaborate with Business Team for portfolio growth and risk alignment.
• Monitor portfolio end-to-end and advance toward team handling for credit managers.
• Ensure regulatory compliance of proposals with internal and external guidelines.
• Coordinate with CMT for portfolio monitoring, EWS, compliance and reporting.

Conoscenze

Credit underwriting

Credit appraisals

Risk profiles

Descrizione del lavoro

Area Credit Manager-Business Loans-Credit

The key responsibilities of the role will be as follows:

• Assessment of credit worthiness of potential customers.
• Structuring & customizing the products to suit the customer’s requirements keeping in mind the risk profile, cash flows and security.
• Preparing detailed credit appraisal memo to Approving authorities and ability to handle proposals individually and defend in the Work closely with the Business Team.
• Responsible for the end-to-end monitoring of the portfolio Gradually move into the role of team handling for credit managers.
• Ensuring regulatory compliance of the proposal with internal and external guidelines/requirements.
• Coordinating with CMT for portfolio monitoring, EWS, Compliance and other reporting.

Candidate Profile

Preferably 10 years of experience in Banks / NBFCs in a Credit role Good analytical & managerial skills. Good Communication and proposal writing Skills.

Key Skills

• Credit underwriting
• Credit appraisals
• Risk profiles
• Experience Level Senior Level