Credit Analyst_SUPPORT SERVICES_0211_2579_1086200

Kotak Mahindra Bank; Ahmedabad District; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Kotak Mahindra Bank is seeking an experienced Credit Underwriter to join our corporate lending team in Ahmedabad. The role focuses on preparing credit appraisal notes for SME and large corporate clients, assessing risk, and ensuring compliance with sanctioning authority requirements.

Ideal candidates have 3–6 years in credit underwriting, preferably with pharma sector exposure, and hold CA or MBA qualifications, with strong verbal and written communication and presentation skills to engage with

Qualifications

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

Responsibilities

• Prepare credit appraisal notes for SME/large corporate clients.
• Discuss terms and conditions with business units for risk assessment.
• Coordinate with customers to obtain information for CRANs.
• Monitor accounts as per sanctioning authority.
• 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

Risk assessment

Financial statement analysis

Communication skills

Presentations

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.