Credit Authorizer in Kotak Bank

Kotak Mahindra Bank, one of India's leading private sector banks, is seeking a highly experienced and analytical Credit Authorizer to join our dynamic team. As a Credit Authorizer, you will play a crucial role in evaluating and approving loan applications, ensuring the financial stability of the bank and safeguarding its assets. The ideal candidate will possess strong analytical skills, a deep understanding of credit risk principles, and a commitment to upholding the highest standards of professionalism and integrity.

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Responsibilities:

• Evaluate loan applications thoroughly, assessing creditworthiness, risk factors, and repayment capacity.
• Analyze financial statements, credit reports, and other relevant documentation to make informed credit decisions.
• Apply credit risk assessment models and methodologies to determine appropriate credit limits and terms.
• Prepare comprehensive credit reports and recommendations for senior credit risk management personnel.
• Ensure compliance with all applicable credit policies, procedures, and regulatory requirements.
• Stay updated on the latest credit risk management practices and trends.

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Skills:

• Strong analytical and problem-solving skills, with the ability to interpret complex financial data and identify potential credit risks.
• In-depth knowledge of credit risk principles, methodologies, and best practices.
• Expertise in financial statement analysis, credit report evaluation, and risk assessment techniques.
• Proficient in using credit risk management software and tools.
• Excellent communication and interpersonal skills, with the ability to convey complex financial information in a clear and concise manner.