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Credit Manager - Housing Finance - Delhi and Gurgaon

Kotak Mahindra Bank Limited
New Delhi, Delhi
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3 hours ago
Full–time
Job Requirements:

Fresher to 8 years of experience depending on different grades. Hiring for M3 / M4 / M5

CA / Full time MBA in Finance

Comprehensive knowledge of financial and detailed understanding of different ratios, spread

sheet preparation and understand the functions of different business and trades.

Better inter-personal skill, Pro-active, positive attitude, knows how to build portfolio, initiator,

and inclination towards customer service. Multi-tasking personality.

Should be matured enough to handle pressure from business understanding their pressure

also, at the same time ensuring that only quality business is being done.

Should set deadlines for each activity and stick to the same.

Good negotiation and communication skills along with robust thinking on different adaptable

solutions.

Job Description:

Evaluation of Business Banking Asset proposals for both secured and unsecured products.

Meeting the highest standard of productivity. To ensure high portfolio quality for the product

in the location/state/region, while maintaining excellent service levels (TAT) to the customers

(both internal and external customers).

Interpreting financial statements and data for analyzing past financial & business

performance. Assessment of viability of potential borrowers. Investigating and understanding

key business issues behind the numbers and providing clear, concise and timely analysis

with recommendations and approvals.

Identifying the risk associated with the exposure taken on customer through the help of RAM

rating.

Comparison of the client performance vis-a-vis economy and Industry trends. Identifying key

risks for each lending transaction and recommending various covenants as mitigants to bring

borrowers risk profile to acceptable levels.

Involved in legal and technical analysis of securities offered. Understanding trend in real

estate market.

Meeting clients and continuous interaction to understand business models, assessing the

credit worthiness of clients, ensuring integrity and precision of data submitted.

Attending all transactions/ mails within prescribed time limit.

Tracking deferrals (post disbursal documents) on a continuous basis and taking up matter

with business for closure of the same.

Adherence to the policies/processes laid out by the central team of our Bank on all

applications being processed

Very close monitoring of cheque bounce trends and knowing channels and their sourcing

pattern. Also, analysing the data of business booked and if any account is appearing in early

mortality ratio and the action proposed jointly with the business and collection team to

determine actionables in order to maintain the high standard of portfolio quality.

Regular collection visits done on high POS problematic accounts for recovering the amount

due. The close monitoring of all high ticket cases booked and described as Large Ticket (LT)

mortgage book and provide all possible solutions to customers. (both internal and external)

Identifying potentially weak account. Call Memo assessment of the existing clients including

financial analysis, client meeting along with respective business team, performance of the

account and asses the financial health of the customer