Credit Manager_Comm Bank HO And Support_0140_1504_1058579_HRR

Kotak Mahindra Bank; Mumbai; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Kotak Mahindra Bank is seeking a Credit Analyst in Mumbai to assess creditworthiness by analyzing financial statements, credit reports, and other relevant information.

You will conduct risk assessments, interpret ratios and cash flows, ensure regulatory compliance, monitor delinquencies, and collaborate with cross-functional teams to provide suitable credit solutions.

Responsibilities

• Assess creditworthiness by analyzing financial statements, credit reports, and other relevant information.
• Conduct risk assessments to determine loan viability, interpreting financial ratios, cash flows, and collateral values.
• Ensure compliance with regulatory frameworks and credit operations requirements.
• Manage credit risk by setting appropriate limits, terms, and conditions.
• Communicate effectively with clients and cross-functional teams to understand loan requirements and provide suitable credit solutions.
• Monitor delinquencies for underwritten cases to keep delinquency levels low.
• Maintain attention to detail and manage high-volume work with multiple cases concurrently.
• Utilize credit analysis software and Microsoft Office applications like Excel/Outlook for analysis.
• Assist team in implementing HO & local policies at ground level.
• Mentor CPAs to enhance output quality and productivity levels.

Tools

Credit analysis software

Excel

Outlook

Job description

Job Description:

• Ability to assess the creditworthiness of applicants by analysing financial statements, credit reports, and other relevant information.
• Conduct thorough risk assessments to determine the viability of loan requests. Evaluate and interpret financial ratios, cash flows, and collateral values to make informed credit decisions.
• Familiarity with regulatory frameworks and compliance requirements related to credit operations.
• Manage and mitigate credit risk by setting appropriate credit limits, terms, and conditions
• Excellent communication and interpersonal skills, with the ability to build and maintain relationships with clients and Cross functional teams , necessary to understand their Loan Requirements and provide suitable credit solutions.
• Delinquency monitoring for underwritten cases during the infant stage so as to keep delinquency to almost Nil levels.
• Attention to detail and ability to handle high-volume work, meet deadlines, and manage multiple cases concurrently.
• Proficiency in using credit analysis software and Microsoft Office applications like Excel / Outlook.
• Being a team player while assisting the team in implementing HO & local policies at ground level.
• Handling of CPAs and mentoring them to extract quality in their output. Monitoring their productivity levels.