Credit Manager_SUPPORT SERVICES_0211_0871_1051661_HRR

Kotak Mahindra Bank; Surat; On-site; INR 600,000 - 800,000; Full time

Job summary

Kotak Mahindra Bank is seeking a seasoned Credit Underwriter for SME portfolios. You will prepare credit appraisal notes, discuss terms for risk assessments, and gather information to produce CRANs. The role includes monitoring accounts, reporting, and visiting units to complete inspections.

Applicants should have 3–6 years in large-corporate underwriting, with CA or MBA qualifications. Pharma sector exposure is a plus but not mandatory. Strong communication and presentation skills are essential.

Qualifications

• 3–6 years in credit underwriting for large corporates.
• Pharma sector credit analysis experience preferred but not required.
• CA or MBA degree.
• Strong verbal, written communication & presentation skills.

Responsibilities

• Prepare credit appraisal notes for SME clients.
• Discuss terms and conditions for risk assessments with business.
• Gather information from customers for CRANs.
• Monitor accounts per sanctioning authority terms.
• Prepare monthly/quarterly monitoring reports for the portfolio.
• Escalate with action plans for non-compliances.
• Visit units and submit inspection reports.
• Address escalations related to risk assessments.

Skills

Credit underwriting

Risk assessment

Communication skills

Presentation skills

Education

CA

MBA

Job description

Job Description:

• 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.