Credit Manager-HF LOAN AGAINST PROPERTY (LAP)-Credit

Kotak Mahindra Bank; Pune City; On-site; INR 4,50,000 - 6,75,000; Full time

Job summary

A leading financial institution in Pune City is seeking a professional for credit assessment and risk management. Responsibilities include evaluating loan applications, performing financial analyses, and ensuring compliance with credit policies. Candidates should have the ability to mitigate credit risks and coordinate with various teams. This role offers a significant opportunity for impact within the organization.

Responsibilities

• Evaluate loan applications and creditworthiness of applicants based on financial data.
• Perform detailed analysis of financial statements, bank statements, and credit reports.
• Assess repayment capacity and recommend appropriate loan structures.
• Identify, analyze, and mitigate potential credit risks.
• Ensure compliance with internal credit policies and regulatory guidelines.
• Conduct periodic portfolio reviews to identify early warning signals.
• Coordinate with sales and operations teams for smooth processing of loan applications.
• Approve or recommend loans within delegated authority limits.
• Liaise with legal and technical team for finalization.

Job description

Key Responsibilities

• Credit Assessment: Evaluate loan applications and creditworthiness of applicants based on financial data and other relevant factors.
• Risk Management: Perform detailed analysis of financial statements, bank statements, and credit reports.
• Loan Approval Process: Assess repayment capacity and recommend appropriate loan structures.
• Identify, analyze, and mitigate potential credit risks.
• Ensure compliance with internal credit policies and regulatory guidelines.
• Conduct periodic portfolio reviews to identify early warning signals.
• Coordinate with sales and operations teams for smooth processing of loan applications.
• Approve or recommend loans within delegated authority limits.
• Liaise with legal and technical team for finalization.