Kotak

Key Responsibilities

1. Credit Assessment:
2. Risk Management:
3. Loan Approval Process:

• Evaluate loan applications and creditworthiness of applicants based on financial data and other relevant factors.
• Perform detailed analysis of financial statements, bank statements, and credit reports.
• Assess repayment capacity and recommend appropriate loan structures.
• Identify, analyze, and mitigate potential credit risks.
• Ensure compliance with internal credit policies and regulatory guidelines.
• Conduct periodic portfolio reviews to identify early warning signals.
• Coordinate with sales and operations teams for smooth processing of loan applications.
• Approve or recommend loans within delegated authority limits.
• Liaise with legal and technical team for finalization.