Credit Analyst - Mid Market Segment

Kotak Mahindra Bank Limited; Mumbai; On-site; INR 1,800,000 - 3,000,000; Full time

Job summary

Kotak Mahindra Bank Limited in Hyderabad seeks a Credit Analyst for the Mid Market Credit team. You will prepare credit appraisal notes, discuss terms with the business, and monitor accounts ensuring compliance with sanctioning authority.

The role emphasizes risk assessment, timely CRAN data collection, and monthly portfolio reporting. Candidates should have 8–12 years in credit underwriting, CA or MBA, and strong analytical and communication skills to interact with clients and internal

Qualifications

• 8-12 years in Credit Underwriting.
• CA or MBA with strong accounting standards knowledge.
• Regulatory awareness incl. RBI/SEBI and strong communication skills.

Responsibilities

• Prepare Credit Appraisal notes for Mid Markets.
• Discuss terms and conditions with business for risk assessment.
• Collect information for CRANs and monitor accounts as per sanctions.
• Prepare monthly monitoring reports for the portfolio.
• Escalate non-compliances with action plans.
• Visit units to assess risk factors.
• Address escalations related to risk assessments.

Skills

Credit Underwriting

Communication

Financial Analysis

Education

CA / MBA

Job description

Credit Analyst-MM-SUPPORT SERVICES-Credit Department Mid Market Credit

Location Hyderabad

Number of Positions 01

Reporting Relationships

Position Grade M5/M6

Job Role

• Preparation of Credit Appraisal notes for Mid Markets segment.
• Average ticket size of borrowing Rs. 500-1000Crs
• Discuss with business on Terms and Conditions for risk assessments
• Discuss with customers for obtaining information for preparation of CRANs.
• Monitor the accounts based on the terms stipulated by Sanctioning Authority.
• Prepare Monthly Monitoring Reports for the portfolio.
• Escalate with action plan for non compliances.
• Visit the units.
• Manage and address any escalations related to risk assessments

Experience required for the Job

8-12 years in Credit Underwriting. Relevant banking experience. CA / MBA 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.

Job Requirements

Experience Level Mid Level