Credit Manager_SUPPORT SERVICES_0211_2784_1065873_HRR

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

Job summary

Kotak Mahindra Bank is seeking a Credit Manager to assess creditworthiness, conduct risk analyses, and ensure compliance with credit operations. The role involves setting credit limits, evaluating loan viability, and maintaining strong client relationships across cross-functional teams.

The candidate should be proficient in credit analysis tools and MS Office, with a focus on accuracy, efficiency, and timely decision-making in a high-volume environment.

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 financial ratios, cash flows, and collateral values.

Responsibilities

• 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 to build relationships with clients and cross-functional teams.
• Delinquency monitoring for underwritten cases to keep delinquency levels low.
• Attention to detail and ability to handle high-volume work and multiple cases concurrently.
• Proficiency in credit analysis software and Microsoft Office applications like Excel / Outlook.
• Mentor CPAs to enhance output quality and monitor productivity.

Skills

Credit analysis

Risk assessment

Regulatory compliance

Client relations

Team collaboration

Tools

Excel

Outlook

Job description

Job Description:

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.

Requirements: