Interview in Kotak Bank for Credit Manager.
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Interview in Kotak Bank Position – Credit Manager
Key Skills & Competencies:
· Strong knowledge of LAP and affordable housing loan products.
· Expertise in credit underwriting and risk assessment.
· Familiarity with legal, regulatory, and compliance frameworks.
· Analytical skills to interpret financial data and market trends.
· Attention to detail with strong decision-making abilities.
Effective communication and stakeholder management skills
Key Responsibilities :
1. Credit Appraisal:
Analyze and evaluate loan applications for Loan against Property (LAP) and affordable housing loans based on creditworthiness.
Review financial statements, bank statements, property documents, and other relevant data to assess borrower risk.
2. Loan Processing:
Ensure timely processing of loan files while adhering to the organization’s credit policies.
Perform due diligence, including CIBIL checks, legal verification, and property valuation.
3. Risk Assessment:
Identify potential risks and propose mitigation measures.
Maintain a balanced portfolio by analysing market trends and industry benchmarks.
4. Decision Making:
Approve loans within the designated authority limit and recommend others for higher approvals.
Collaborate with senior management for complex loan decisions.
5. Compliance:
Ensure all credit decisions comply with internal policies, regulatory requirements, and lending norms.
Maintain updated knowledge of relevant legal and regulatory frameworks.
6. Portfolio Monitoring:
Conduct periodic reviews of the loan portfolio to identify and address early warning signals.
Oversee delinquency management and coordinate with collection teams to minimize NPAs.
7. Stakeholder Management:
Work closely with sales, legal, technical, and operations teams to ensure seamless loan disbursal.
Provide training and guidance to the sales team on credit policies and documentation requirements.
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Interview in Kotak Bank required Documents-
Latest resume,
KYC documents
Aadhaar Card/ Voter ID/
Pan Card
If experience –
Relieving Letter
Last three Months slip
Interview in Kotak Bank Location –
North Locations- Bikaner, Chittaurgarh. Udaipur Jalandhar, Ludhiana, Amritsar Ambala, Fatehabad Kanpur, Varanasi, Agra.
West Locations – Mehsana, Deesa, Palanpur, Jamnagar Bhopal, Indore, Jabalpur, Chhindwara Durg, Korba Ahmadnagar, Nasik, Ratnagiri
South Locations – Vizag, Nellore, Guntur Coimbatore, Namakkal, Thiruvannamalai Mysuru, Bagalkote, Gulbarga, Hasan Nizamabad, Khammam, Karimnagar
We are Hiring Credit Manager – LAP & Affordable Housing Loan for below mentioned location.
Candidates with relevant experience, Pls share resumes to below mentioned.
Purnendu Shekhar Vaibhav Dahiya Hitendra Sharma Srikanth Rathod Anu Sharma
For North Locations – hitendra.sharma@kotak.com
For West Locations- Anu.Sharma1@kotak.com
For West Locations – srikanth.rathod@kotak.com
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