Kotak Mahindra Bank—Credit Manager-Housing Finance-Credit

Job description

Description: Qualification : CA Job Description : Housing Finance. - Ability to assess the creditworthiness of individual and corporate loan 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.