Credit Underwriter

Kotak Mahindra Bank Limited; Ahmedabad District; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Kotak Mahindra Bank Limited in India seeks a mid-level Credit Underwriter to evaluate Self-Employed Non-Professional and Self-Employed Professional mortgage cases, performing in-depth financial and business analyses.

The role includes visiting customers, validating financials, mentoring Credit Processing Associates, and ensuring adherence to internal policies and audit standards while monitoring early delinquency.

Qualifications

• Experience in mortgage underwriting for SENP/SEP.
• Strong financial analysis and business background.
• Familiarity with regulatory norms and audit standards.

Responsibilities

• Conduct credit underwriting for SENP/SEP mortgage cases with in-depth financial analysis.
• Visit customers to validate business background and financials.
• Mentor CPAs, monitor productivity, and ensure policy adherence.
• Ensure audit/compliance requirements are met and monitor delinquency in early stages.

Skills

Financial analysis

Credit underwriting

Mortgage lending

Regulatory compliance

Mentoring CPAs

Job description

Credit Manager-Loan Against Property-Credit

We are looking for a qualified and experienced Credit Underwriter to manage credit evaluation for Self-Employed Non-Professional (SENP) and Self-Employed Professional (SEP) mortgage cases. The role involves in-depth financial analysis, customer visits, and credit decision-making to ensure high-quality underwriting and minimal delinquency. The ideal candidate will have a strong understanding of mortgage lending, economic indicators, and regulatory norms. The role also includes mentoring Credit Processing Associates (CPAs), monitoring their productivity, and ensuring adherence to internal policies and audit standards. Conduct credit underwriting for SENP/SEP mortgage cases with in-depth financial and business analysis. Visit customers to understand business background and validate financials. Monitor delinquency of underwritten cases during the initial stages to maintain near-zero default levels. Maintain credit quality and stay updated on economic indicators and mortgage industry trends. Ensure consistent productivity in processing and decision-making. Support implementation of head office and local credit policies at the ground level. Mentor and monitor CPAs to ensure quality output and productivity. Handle audit and compliance requirements related to underwriting. Experience Level Mid Level