Kotak - Credit Analyst - Consumer Banking

Kotak Mahindra Bank, one of the fastest growing private sector banks in India is inviting applications from Chartered Accountants (Batch 2012/13)

The candidates will be selected as Credit Managers for various secured or unsecured loan products of the Bank such as Home Loan, Business Loan, Personal Loan, Loan Against Property etc.

Following is a brief summary of the job responsibilities –

The position-holder will be responsible for

1. Credit Appraisal of loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities

2. Assessing creditworthiness of the potential client by studying requisite financial history

3. Underwriting and making proposals of cases with desired level of quality

4. Ensuring systematic verification processes and coordinating with verification agencies

5. Finalization of terms and conditions of the proposal in consultation with Relationship Managers

6. Timely processing of the proposals to ensure the Best in class TAT.

7. Ensuring adherence to the credit policy, internal policy, RBI guidelines and other guidelines.

8. Monitoring delinquencies regularly

Locations

1. Kanpur

2. Ahmedabad

3. Rajkot

4. Chandigarh

Candidate requirements

1. The candidate must either be a Chartered Accountant (2012/13) OR

2. MBA (finance) with 2-3 years of similar work experience in a Bank or NBFC

3. Good understanding of financials to arrive at a decision on lending and recoverability of loans granted

4. Excellent written and oral communication skills

Please mention the following in the cover letter NECESSARILY –

- Qualification:
- Year of passing:
- Current location: