Credit Manager - Small Business Enterprise

Kotak Mahindra Bank; Coimbatore District; On-site; INR 600,000 - 900,000; Full time

Job summary

Kotak Mahindra Bank is seeking a Credit Manager for Small Business Enterprise to assess creditworthiness, perform risk analyses, and ensure regulatory compliance. The role involves interpreting financial data, setting credit terms, and maintaining client relationships while monitoring delinquencies and guiding CPAs.

Ideal candidates have mid-level experience, strong attention to detail, and proficiency with credit analysis software and Microsoft Office.

Qualifications

• 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.
• Delinquency monitoring for underwritten cases to keep delinquency levels low.
• Proficiency in using credit analysis software and Microsoft Office applications like Excel and Outlook.

Responsibilities

• Assess creditworthiness of applicants by analysing financial statements and credit reports.
• Conduct risk assessments to determine viability of loan requests.
• Interpret financial ratios, cash flows, and collateral values for credit decisions.
• Ensure compliance with regulatory frameworks related to credit operations.
• Set credit limits, terms, and conditions to mitigate risk.
• Communicate with clients and cross-functional teams to understand loan requirements.
• Monitor delinquency for underwritten cases and maintain low delinquency levels.
• Mentor CPAs and ensure output quality; monitor productivity.

Skills

Credit analysis

Financial statement analysis

Risk assessment

Regulatory compliance

Credit risk management

Relationship management

Delinquency monitoring

Communication skills

Microsoft Excel

Microsoft Outlook

Credit analysis software

Tools

Credit analysis software

Microsoft Excel

Microsoft Outlook

Job description

Credit Manager_Small Business Enterprise_0140_8646_1061762_HRR Job Description Credit Manager

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. Experience Level Mid Level