Credit Manager

Kotak Mahindra Bank; Hisar; On-site; INR 700,000 - 1,200,000; Full time

Job summary

Kotak Mahindra Bank is seeking a detail-oriented credit analyst to appraise Agri Business Loan proposals including Farm Loans, Agri SME Loans, and allied agricultural activities. You will assess financials, collateral, and repayment capacity to support sound lending decisions.

In this role, you will coordinate with Sales, Operations, Legal, Technical, and Collections, perform field verification, ensure RBI compliance, monitor portfolio quality, and maintain turnaround times for proposals and

Qualifications

• Must have strong analytical skills and understanding of credit risk frameworks.
• Experience analyzing agricultural finance or MSME lending is a plus.

Responsibilities

• Conduct detailed appraisal of Agri Business Loan proposals including Farm Loans, Agri SME Loans, Dairy, Poultry, Fisheries, Horticulture, Warehouse Receipt Financing, and Allied Agriculture activities.
• Analyze financial statements, bank statements, income assessment, cash flow, and repayment capacity of borrowers.
• Perform credit underwriting and risk assessment as per internal credit guidelines.
• Review property documents, collateral security, land records, and valuation reports.
• Coordinate with Sales, Operations, Legal, Technical, and Collections teams for smooth loan processing.
• Conduct field visits and customer interactions for credit verification and due diligence.
• Prepare credit appraisal notes and present recommendations for approval.
• Monitor portfolio quality and identify early warning signals of stress accounts.
• Ensure compliance with RBI guidelines, internal policies, and regulatory requirements.
• Support audit, compliance, and portfolio review activities.
• Maintain TAT for proposal evaluations and approvals.

Skills

Credit assessment

Financial statement analysis

Risk assessment

Due diligence

Job description

• Conduct detailed appraisal of Agri Business Loan proposals including Farm Loans, Agri SME Loans, Dairy, Poultry, Fisheries, Horticulture, Warehouse Receipt Financing, and Allied Agriculture activities.
• Analyze financial statements, bank statements, income assessment, cash flow, and repayment capacity of borrowers.
• Perform credit underwriting and risk assessment as per internal credit guidelines.
• Review property documents, collateral security, land records, and valuation reports.
• Coordinate with Sales, Operations, Legal, Technical, and Collections teams for smooth loan processing.
• Conduct field visits and customer interactions for credit verification and due diligence.
• Prepare credit appraisal notes and present recommendations for approval.
• Monitor portfolio quality and identify early warning signals of stress accounts.
• Ensure compliance with RBI guidelines, internal policies, and regulatory requirements.
• Support audit, compliance, and portfolio review activities.
• Maintain TAT for proposal evaluations and approvals.