Credit Manager-HF LOAN AGAINST PROPERTY (LAP)-Credit - Kotak Mahindra Bank

apartmentKotak Mahindra Bank Limited placeKolkata calendar_month 

Job Description

JOB DESCRIPTION

Credit manager

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
electric_boltImmediate start

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