Credit Manager-AGRI-FIN-PROJECTS (AF)-Credit

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Credit Manager

Department

Agri Business Group

Location

Vashi

No.of Positions

1

Reporting Relationships

Area Credit Manager

Position Grade

Manager – M3

Job Role:

Job Role

  • To provide sound, independent (unsolicited) credit advice, recommendations and quality feedback on Agri SME credit proposals.
  • Handling all types of working capital (Fund base and Non-fund based limit), Commodity finance and Project loans for Agri SME enterprises.
  • Credit appraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes, credit checks etc.
  • As per Approval Authorizations, presenting the proposal to various sanctioning forums and get it sanctioned from approving authority satisfying all their queries.
  • Meeting Customer and making Site visits at factory/office/residence of the client, viewing the working capacities of the business, inventory and working environment of the business.
  • To interact with approving authority and provide them with required information for better decision making and engaging in regular discussions to give them an independent view of the credit / economic developments.
  • To monitor and manage local credit portfolio and other risks on a proactive basis by having an in-depth knowledge on individual credit-takers. Engage in discussions with the business to modify account strategy / credit rating etc as warranted.
  • Manage and ensure timely renewal of accounts and enhancement of portfolio.
  • To align decision making with business requirements without compromising on quality of decision making or compromising on laid down policies by engaging in regular discussions with the business teams.
  • Excellent written and oral communication skills
  • Chartered Accountant with 2
  • MBA Finance with 3 years of experience
  • Good analytical skills

Personality Traits:

  • Strong financial Analysis Skills
  • Analytical skills
  • Strong communication (Written and Oral)
  • Eye For detail

If you wish to apply for this job position, please fill your details in the Kotak Fast Track Application Form and mail to manasi.thakur@kotak.com

Please mention the following in the subject line as ‘”Position Name” –“Your Name” – “Your Current Business group

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