Credit Analyst-SUPPORT SERVICES-SME Credit

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

Job summary

Kotak Mahindra Bank is seeking an experienced Credit Underwriter for Wholesale Banking – Credit in Mumbai. The role involves preparing credit appraisal notes for SME and large corporate clients, discussing terms and conditions, and gathering information for CRANs.

The candidate will monitor accounts as per sanctions, prepare periodic portfolio monitoring reports, visit units, and address escalations related to risk assessments, with CA/MBA and 3-6 years of experience.

Qualifications

• 3–6 years in Credit Underwriting for Large Corporates.
• Experience in Pharma sector credit analysis would be preferred.
• CA or MBA required.

Responsibilities

• 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

Skills

Credit underwriting

Risk assessment

Client discussion

Communication skills

Education

CA / MBA

Job description

Job Description:

• Department: Wholesale Banking – Credit
• Location: Mumbai
• Number of Positions: 1
• Reporting Relationships: Credit Manager
• Position Grade: M4/M5

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.