Credit Analyst-SUPPORT SERVICES-Credit

Kotak Mahindra Bank; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Kotak Mahindra Bank is seeking a Credit Analyst in Mumbai to perform credit risk underwriting for NBFCs/HFCs, assess securitisation transactions, and prepare in-depth credit appraisals. The role involves client calls, risk recommendations, and ongoing loan monitoring.

The ideal candidate holds CA or MBA with 1–3 years experience, strong accounting knowledge, and familiarity with RBI/SEBI norms, coupled with excellent communication and presentation skills.

Qualifications

• CA or MBA with 1–3 years of relevant experience.
• Strong understanding of Accounting Standards and Balance Sheet analysis.
• Familiarity with RBI regulations, SEBI and other statutory requirements.
• Excellent communication and presentation abilities.

Responsibilities

• Credit risk underwriting of credit facilities to NBFCs/Housing Finance Companies.
• Credit risk assessment of securitisation transactions (PTCs).
• Preparation of credit appraisal notes covering detailed analysis of business, industry and financials.
• Conduct client calls to understand their business model and risk management policies.
• Provide detailed recommendations to senior credit approvers on risk aspects for loans.
• Ensure loans adhere to program, compliance, due diligence and industry requirements.
• Continuous credit monitoring of the loan portfolio based on market information and periodic reviews.
• Escalate with action plan for non-compliances.
• Coordinate with internal auditors and make representations to RBI for queries.

Job description

Credit Analyst – BFIG Credit Grade: M3

Location: Mumbai

Job Role

• Credit risk underwriting of credit facilities to NBFCs/Housing Finance Companies.
• Credit risk assessment of securitisation transactions (PTCs)
• Preparation of credit appraisal notes covering detailed analysis of business, industry, management and financials.
• Doing client calls to understand their business model and risk management policies.
• Providing detailed recommendations to senior credit approvers on risk aspects and assessments for particular loans.
• Ensuring that loans adhere to program, compliance, due diligence and industry requirements.
• Continuous credit monitoring of the loan portfolio based on market information and periodic reviews of the performance of credit facilities sanctioned to clients.
• Escalate with action plan for non-compliances
• Co-ordinating with internal auditors and make representations to RBI for resolving queries raised by them in RBI audits

Job Requirements

• CA / MBA with at least 1-3 yrs relevant segment.
• 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.