Kotak Bank Recruitment 2023

Kotak Mahindra Bank is seeking an experienced and highly skilled Credit Manager to join our team. As a Credit Manager, you will be responsible for managing the credit evaluation and approval process for various loan applications. You will assess the creditworthiness of individuals and businesses, analyze financial statements, and make informed decisions regarding loan approvals. If you have a strong background in credit analysis, risk assessment, and underwriting, along with excellent analytical and communication skills, we invite you to apply for this position.

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Responsibilities:-

1. Credit Evaluation and Analysis: Evaluate the creditworthiness of loan applicants by analyzing their financial statements, credit reports, and other relevant documents. Assess the applicant's ability to repay the loan based on income, assets, liabilities, and credit history. Determine the appropriate loan amount, interest rate, and terms based on the risk assessment.
2. Risk Assessment: Conduct thorough risk assessments to identify potential credit risks and mitigate them. Evaluate industry trends, market conditions, and economic factors that may impact loan repayment. Assess the collateral value and ascertain the adequacy of security provided.
3. Credit Underwriting: Review loan applications and supporting documents to ensure completeness and accuracy. Make informed decisions regarding loan approvals, considering the bank's lending policies, regulatory requirements, and risk appetite. Prepare credit proposals and present them to senior management for approval.

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Skills:

• Proficiency in using credit evaluation software and other relevant tools.
• Sound knowledge of legal documentation and loan agreement terms.
• High level of integrity and ethical standards.