Credit Analyst_SUPPORT SERVICES_0140_1314_1042477

Kotak Mahindra Bank; Mumbai; On-site; INR 1,600,000 - 2,200,000; Full time

Job summary

Kotak Mahindra Bank in Mumbai is hiring for a Credit Underwriter to manage appraisal notes for SME clients and coordinate risk assessments with business teams.

The role involves obtaining information for CRANs, monitoring accounts, and preparing regular portfolio reports, with exposure to pharma sector credit analysis preferred.

Strong communication and presentation skills, along with CA or MBA qualifications, are required.

Qualifications

• 3–6 years of experience in credit underwriting for large corporates.
• Pharma sector credit analysis experience is preferred but not mandatory.
• CA or MBA educational background is required.
• Strong verbal, written communication and presentation skills.

Responsibilities

• Prepare Credit Appraisal notes for SME clients.
• Discuss terms and conditions for risk assessments with the business.
• Obtain information from customers for CRAN preparation.
• Monitor accounts as per sanctioning authority terms.
• Prepare monthly/quarterly monitoring reports for the portfolio.
• Escalate with action plans for non-compliances.
• Visit units and submit inspection reports.
• Address escalations related to risk assessments.

Skills

Credit underwriting

Large corporate credit

Pharma sector credit analysis

Verbal communication

Written communication

Presentation skills

Education

CA

MBA

Job description

• Preparation of Credit Appraisal notes for SME clients.
• Discuss with business on Terms and Conditions for risk assessments
• Discuss with customers for obtention of information for preparation of CRANs.
• Monitor the accounts based on the terms stipulated by Sanctioning Authority.
• Prepare Monthly/Quarterly Monitoring Reports for the portfolio.
• Escalate with action plan for non-compliances.
• Visit the units and submit inspection reports.
• Manage and address any escalations related to risk assessments

• Job Role:
• Preparation of Credit Appraisal notes for SME clients.
• Discuss with business on Terms and Conditions for risk assessments
• Discuss with customers for obtention of information for preparation of CRANs.
• Monitor the accounts based on the terms stipulated by Sanctioning Authority.
• Prepare Monthly/Quarterly Monitoring Reports for the portfolio.
• Escalate with action plan for non-compliances.
• Visit the units and submit inspection reports.
• Manage and address any escalations related to risk assessments

Job Requirements

• Experience required for the Job: 3-6 years in Credit Underwriting for Large Corporates.
• Experience in Pharma sector credit analysis would be preferred (not mandatory).
• CA / MBA
• Good verbal, written communication & presentation skills.