Credit Analyst_SUPPORT SERVICES_0140_1419_1085718

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

Job summary

Kotak Mahindra Bank in Mumbai is seeking an experienced Credit Underwriter for SME portfolios to assess risk and structure credit notes. The role requires 3-6 years in corporate credit underwriting and a CA or MBA qualification.

The candidate will interact with business teams to define terms, collect CRAN information, monitor sanctioned facilities, and prepare regular portfolio reports while escalating non-compliance issues and visiting client units as needed.

Qualifications

• 3-6 years in Credit Underwriting for Large Corporates.
• Experience in Pharma sector credit analysis preferred, but not mandatory.
• CA or MBA degree.

Responsibilities

• Prepare Credit Appraisal notes for SME clients.
• Discuss Terms and Conditions for risk assessments with business.
• Obtain information from customers for preparation of CRANs.
• Monitor accounts based on 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 escalations related to risk assessments

Skills

Verbal communication

Written communication

Presentation skills

Education

CA / MBA

Job description

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 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.