Credit Manager_Small Business Enterprise_0140_0875_1040145_HRR
Kotak Mahindra Bank · Surat
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.