About this role
Role
Credit Appraisal
· Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities
· Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training
· Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation
Stock on Hire: Increase in volume of business
· Ensure that SOH increases(pl confirm if this applies to CM role )
NPA trend
· Analyze the NPA trend like area, industry, sector etc.
· Interact with Customers & understand the business and regularly monitor delinquencies / infants.
Infant loan which is less than 12 months NPA
· Ensure qualitative portfolio
· Ensure that there is no infant 12 months NPA
Other facts
About Kotak
About Kotak Mahindra Group:
Established in 1985, the Kotak Mahindra Group is one of India’s leading financial services conglomerates. In February 2003, Kotak Mahindra Finance Ltd. (KMFL), the Group’s flagship company, received a banking license from the Reserve Bank of India (RBI). With this, KMFL became the first non-banking finance company in India to become a bank – Kotak Mahindra Bank Limited.
The consolidated balance sheet of Kotak Mahindra Group is over 1 lakh crore and the consolidated net worth of the Group stands at 13,943 crore (approx US$ 2.6 billion) as on September 30, 2012.
The Group offers a wide range of financial services that encompass every sphere of life. From commercial banking, to stock broking, mutual funds, life insurance and investment banking, the Group caters to the diverse financial needs of individuals and the corporate sector. The Group has a wide distribution network through branches and franchisees across India, and international offices in London, New York, California, Dubai, Abu Dhabi, Bahrain, Mauritius and Singapore. For more information, please visit the company’s website at https://www.kotak.bank.in/en/home.html
What you'll do
- The Senior Credit Manager is responsible for credit appraisal and underwriting of loan applications, ensuring quality and compliance with guidelines. They will analyze NPA trends and interact with customers to monitor delinquencies and maintain a qualitative portfolio.
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