Credit Analyst-Infrastructure Debt Funding-DEFAULT

Kotak Mahindra Bank; Mumbai; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

Kotak Mahindra Bank in Mumbai is seeking an experienced Credit Underwriter for project finance in the infra sector. You will prepare detailed CRANs, discuss terms with customers, and ensure compliance with regulatory standards while monitoring risk across the portfolio.

The role requires 4-6 years in credit underwriting for infrastructure projects, with CA or MBA credentials and strong accounting, financial analysis, and communication skills to interact with stakeholders and senior management.

Qualifications

• 4-6 years in Credit Underwriting with Infrastructure Project underwriting background.
• CA or MBA with strong academic track record.
• Good understanding of Accounting Standards and Balance Sheet analysis.
• Knowledge of RBI regulations, SEBI and other statutory bodies requirements.
• Excellent verbal, written communication and presentation skills.

Responsibilities

• Prepare credit appraisal notes for project finance cases (TL/NCD).
• Discuss with customers/business to obtain information for CRANs and prepare CRAN for risk assessment.
• Review terms and conditions with business for risk assessments.
• Monitor accounts based on sanctions and terms defined by the Sanctioning Authority.
• Prepare quarterly monitoring reports and risk management committee reporting.
• Address escalations related to risk assessments and non-compliance actions.
• Handle client requests from risk perspective.

Skills

Credit underwriting

Infrastructure projects

Financial analysis

Regulatory knowledge

Communication skills

Education

CA / MBA

Job description

Department KIDF Credit Location Mumbai Number of Positions 01 Reporting Relationships Position Grade M3/M4/M5

Job Role

• Preparation of Credit Appraisal notes for Project Finance cases for Infrastructure Projects- TL/NCD,
• Discuss with customers/business for obtaining information for preparation of CRANs. Preparation of detailed CRAN for credit risk assessment along with industry assessment, compliance check, review legal documentation and understanding the nuisances of the regulatory aspects. Visit the units and submit inspection reports.
• Discuss with business on Terms and Conditions for risk assessments
• Monitor the accounts based on the terms stipulated by Sanctioning Authority.
• Prepare Quarterly Monitoring Reports for the portfolio and monitor portfolio on ongoing basis. Prepare reporting for Risk Management Committee.
• Manage and address any escalations related to risk assessments and action plan for non-compliances.
• Handle/Recommend client requests from risk point of view.

Job Requirements

• Experience required for the Job: 4-6 years in Credit Underwriting with Infrastructure Project underwriting background.
• CA / MBA with good academic track record
• Good understanding of Accounting Standards, Balance Sheet Analysis.
• Knowledge of RBI regulations, SEBI and other statutory bodies requirements.
• Good interaction and communication ability.
• Excellent verbal, written communication & presentation skills.