Credit Manager-HF LOAN AGAINST PROPERTY (LAP)-Credit

Description

Credit Manager-HF LOAN AGAINST PROPERTY (LAP)-Credit
Kotak Mahindra
Coimbatore, Tamil Nadu

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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

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