Kotak Mahindra Bank—Credit Manager-AGRI-FIN-PROJECTS (AF)-Credit

Job description

Description: We are seeking a detail-oriented and analytical Credit Manager to evaluate and underwrite credit proposals in the Agri-Fin Projects segment. The role involves assessing financials, conducting market visits, and ensuring timely and compliant credit processing. The ideal candidate should have strong financial analysis skills, experience in credit underwriting, and a proactive approach to risk management. Responsibilities: Provide sound, independent, and unsolicited credit advice and recommendations on Agri SME credit proposals. Handle all types of working capital requirements (fund-based and non-fund-based), commodity finance, and project loans for Agri SME enterprises. Conduct thorough credit appraisals, including financial analysis to assess solvency, liquidity, and repayment capacity of entities. Prepare detailed appraisal notes and perform credit checks. Present proposals to various sanctioning forums as per approval authorizations, ensuring all queries from the approving authority are satisfactorily addressed. Conduct customer meetings and site visits at factories, offices, and residences to assess business operations, inventory, and working environment. Interact regularly with the approving authority, providing necessary information to support informed decision-making and sharing independent views on credit and economic developments. Monitor and manage the local credit portfolio proactively, identifying and mitigating risks through in-depth knowledge of individual credit-takers. Engage with business teams to revise account strategies or credit ratings as needed. Ensure timely renewal of accounts and manage portfolio enhancements efficiently. Align decision-making with business requirements while maintaining the quality of decisions and adhering to laid-down policies through regular discussions with business teams.