Credit Analyst-SUPPORT SERVICES-SME Credit
Kotak Mahindra Bank — BANGALORE, BANGALORE
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Job Description
Kotak Mahindra Bank Ltd is seeking a Credit Analyst to join the SUPPORT SERVICES-SME Credit department. The position involves analyzing credit data, assessing risks, and delivering recommendations to support the bank's SME lending operations.
As a Credit Analyst, you will play a crucial post in evaluating credit applications and overseeing the credit portfolio for Small and Medium Enterprises (SMEs). Your expertise will contribute to the bank's development and success in the SME lending market. This position offers an prospect to partner with a dynamic team and gain valuable exposure to credit analysis and risk management.
- Conduct thorough credit analysis and evaluation of SME loan applications.
- Assess creditworthiness, financial health, and risk profiles of prospective borrowers.
- Prepare comprehensive credit reports and recommendations for loan approvals.
- Monitor and run the credit portfolio, guaranteeing timely repayments and pinpointing potential risks.
- Collaborate with relationship managers and underwriters to structure and approve SME loans.
- Stay updated on industry trends, market conditions, and regulatory changes impacting SME lending.
- Give support and guidance to relationship managers in credit-related queries and decisions.
- Sustain accurate records and documentation for all credit-related activities.
- Assist in creating and implementing credit policies and procedures for SME lending.
- Participate in training and grasp-sharing sessions to enhance credit analysis capabilities.
- Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
- Minimum 2-3 years of exposure to credit analysis or a similar post, preferably in banking or financial services.
- Solid analytical competencies and attention to detail for evaluating financial statements and credit data.
- Proficiency in using credit analysis tools and software, among them credit scoring models.
- Strong communication and interpersonal competencies for effective collaboration with internal teams.
- Capability to work independently, oversee multiple tasks, and meet tight deadlines.
- Know-how of SME lending practices, industry trends, and regulatory criteria is preferred.
- Familiarity with credit risk management frameworks and best practices.
- Proficient in Microsoft Office suite, particularly Excel for financial analysis.
- Willingness to learn and adapt to new technologies and processes.
This Credit Analyst-SUPPORT SERVICES-SME Credit vacancy is based in Bangalore.
Frequently Asked Questions
What are the eligibility criteria for the Credit Analyst-SUPPORT SERVICES-SME Credit job at Kotak Mahindra Bank?
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 0-5 Years years of relevant experience expected for this role.
What are the primary responsibilities of a Credit Analyst-SUPPORT SERVICES-SME Credit at Kotak Mahindra Bank?
The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Credit Analyst-SUPPORT SERVICES-SME Credit at Kotak Mahindra Bank.
Is prior experience required for this position?
This role requires around 0-5 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.
What skills are important for this role?
Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.
How do I apply for the Credit Analyst-SUPPORT SERVICES-SME Credit role at Kotak Mahindra Bank?
You can apply directly using the Apply Now button on this page, which will take you to Kotak Mahindra Bank's application process for this role.
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