2266 Credit Appraisal Jobs

The Indian Hotels Company Limited is looking for Credit Manager to join our dynamic team and embark on a rewarding career journey Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities Disclaimer: This job description has been sourced from a public domain and may have been modified by Naukri.com to improve clarity for our users. We encourage job seekers to verify all details directly with the employer via their official channels before applying. Behavioural Competencies Process Excellence Result Orientation Collaborative Engagement Change Championship Growth Mindset Talent Enrichment Guest Centricity

Support in customer, contract and project set ups. Assist with preparation of invoices. Customer maintenance. Assist in third party invoices processing. Assist in preparing credit appraisal report of the prospects. Process accounts receivable write offs. Assist in preparing final demand letter. Preparation of various customers-oriented reports. Assist in other operation tasks as needed.

Support in customer, contract and project set ups. Assist with preparation of invoices. Customer maintenance. Assist in third party invoices processing. Assist in preparing credit appraisal report of the prospects. Process accounts receivable write offs. Assist in preparing final demand letter. Preparation of various customers-oriented reports. Assist in other operation tasks as needed.

Job Description : Business Analyst (Banking Domain) Position Title: Business Analyst Banking Domain Location: Nagpur, Maharashtra Employment Type: Full-Time Experience Required: 15+ years in Banking / Financial Services Sector About the Role We are seeking a highly experienced professional with strong expertise in the banking domain to join our team as a Business Analyst. The role is ideal for senior officers or professionals who have worked with PSU banks, private banks, or financial institutions , and are looking to transition into a corporate/analytical role. The incumbent will play a critical role in analyzing business processes, understanding banking operations, and contributing towards strategic and operational decision-making. Key Responsibilities Analyze, document, and streamline banking processes, ensuring compliance with industry standards and regulatory requirements. Act as a liaison between business stakeholders, technology teams, and management for requirement gathering and solution design. Study, evaluate, and recommend improvements in credit, treasury, retail banking, digital banking, and compliance operations . Prepare business requirement documents (BRD), functional specifications, and process maps for banking projects. Monitor market and regulatory trends to provide insights for new initiatives and risk management. Assist in the design, testing, and implementation of new systems, processes, or banking products. Support management with analytical reports, MIS, and data-driven insights for strategic decision-making. Train and mentor junior team members in banking process knowledge and compliance. Qualifications & Professional Requirements Mandatory: Graduate/Post-Graduate degree in Finance/Banking/Management. Minimum 15 years of experience in banking/financial services (PSU Bank, Private Bank, or equivalent). Preferred Certifications/Qualifications: MBA (Finance/Banking/Operations) CAIIB (Certified Associate of Indian Institute of Bankers) ICWA (Institute of Cost and Works Accountants) CA (Chartered Accountant) Professional Competencies: Strong knowledge of retail, corporate, and digital banking operations . Proven expertise in credit appraisal, compliance, and risk management . Ability to interpret financial statements, regulatory circulars, and banking policies. Excellent communication, stakeholder management, and documentation skills. Analytical mindset with hands-on experience in data analysis, reporting, and MIS tools. Experience Requirement 15+ years of progressive banking experience, preferably in roles involving operations, compliance, credit, business analysis, or process improvement . Candidates who are recently retired officers from PSU/Private Banks or experienced bankers looking to shift into corporate analysis roles are encouraged to apply.

Role & responsibilities Credit Underwriting and Credit Management Preferred candidate profile Should have relevant Credit experience in HL/LAP Please share resume at surbhi.tekriwal@aavas.in

RC - Credit Manager - CV/CE - Retail Credit INTERNAL USAGE No of Vacancies Reports to Regional Credit Manager Is a Team leader N Team Size NA Grade Business Corporate Center Department Retail Credit Sub - Department CVCE Credit Location About Wholesale Credit The Retail Credit department in the Bank is a Credit Underwriting department for all the Retail clientele of the Bank It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes About the Role The CPC Credit Manager CV/CE manages the credit activities and processes for Commercial Vehicle and Construction Equipment products under Retail Credit The Credit Manager is responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio quality and also ensures adherence to the processes designed by the bank Underwriting/review of Credit Proposals including Review/Renewals of the proposals by ensuring adherence to the standard process, Turn Around Time and decision consistency Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality Maintaining accurate and up to date MIS reports, Inspection & monitoring of portfolios under various sub-segments to ensure maintenance of a healthy portfolio Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives Ensure timely completion of key deliverables, audit queries and adherence to the corporate retail policy/ scheme Qualifications Graduation/ Post- Graduation (MBA/ CA preferred) from a recognized institute Experience of atleast 2 years in assessing credit of Commercial Vehicle and Construction Equipment Product Role Proficiencies For successful execution of the job, the candidate should possess: Knowledge of credit, relevant industry and product trends Knowledge of regulatory guidelines and norms Good communication (both verbal and written) skill in both English and the local language Ability to handle pressure and meet deadlines

Responsible for allocation of geography at team level. Should work closely with his team members on geography mapping. Should audit and review the progress of area mapping on regular intervals and share the progress report with his superiors. Required Candidate profile Education: Graduate (Mandatory); MBA/PG in Sales/Marketing/Finance preferred. Experience: Minimum 4 years of relevant work experience, should have 1yr of experience.

Responsibilities: Conduct credit appraisal of prospective SME clients for fund-based exposures such as Working Capital, Overdraft, Cash Credit, Term Loan, etc., and non-fund based exposures like Letter of Credit and Bank Guarantee. Prepare detailed proposal notes and ensure timely clearance from credit sanctioning committees. Meet clients to evaluate their requirements and market conditions; structure proposals/deals adhering to the bank's credit guidelines, credit programs, and client needs. Monitor economic and industry developments along with financial parameters of clients to detect potential risk triggers or stress signs and take appropriate mitigating actions. Perform detailed credit and background reference checks on all prospective SME FI clients. Present credit proposals to sanctioning committees to obtain sanction and approval as per bank policies. Jointly monitor portfolio health with account relationship teams based on early warning systems. Prepare risk and rating sheets, making informed recommendations to approving committees. Approve credit cases within delegated authority limits. Continuously monitor the portfolio for early warning signals to proactively manage risks. Skills Required: Credit appraisal and analysis Risk assessment and mitigation Financial statement analysis Proposal writing and presentation Knowledge of fund-based and non-fund-based banking products Client relationship management Market and industry research Strong analytical and decision-making skills Communication and interpersonal skills Ability to work with sanctioning committees and internal teams Knowledge of banking policies and regulatory guidelines

Responsibilities: Evaluate and underwrite LAP proposals for MSME segment Conduct detailed credit analysis, financial statement review, and risk assessment Ensure adherence to credit policy and compliance guidelines Collaborate with sales and operations teams for smooth loan processing Maintain high-quality portfolio with strong focus on credit hygiene Desired Candidate Profile: Experience: Minimum 5+ years in LAP underwriting (MSME segment) Location: Pune (candidates from Pune preferred) Immediate joiners will be given priority

As a Prime LAP Loan Officer, your role involves assessing and evaluating loan applications. You will be analyzing financial statements, income documents, property details, and credit bureau reports to make informed recommendations on sanction or rejection based on credit policy. Your responsibilities include: - Conducting credit appraisal within defined turnaround times while ensuring strict adherence to internal credit policies, regulatory compliance, and risk management frameworks. - Collaborating with sales, operations, and legal teams to facilitate smooth loan processing and disbursement. - Monitoring portfolio quality by tracking early delinquencies, underwriting trends, and market risks. - Performing periodic property verification, valuation checks, and legal document reviews. - Providing guidance to sales teams on policy norms and acceptable risk parameters. - Ensuring timely reporting and management information system (MIS) on approvals, rejections, and portfolio performance. - Contributing to policy formulation and continuous improvement of the credit process. Additionally, the job is full-time and requires in-person work at the specified location.,

Responsibilities: Evaluate loan applications, assess borrower creditworthiness, analyze financial statements, credit scores, and repayment capacity, and approve or reject credit proposals. Monitor credit risks, track repayments Ensure documentation

About The Role Experience in credit/ operations in retail MFI loans/ unsecured loans. Prepare and present reports on credit-related activities to upper management. Good with excel and added advantage if good at MIS related application Oversee and guide the credit control team, providing training and support as needed. Capable of handling team of 8-10 credit officers independently. Team Handling and co-ordination Retails Ops candidate okay to evaluate Credit appraisal Implement and maintain the company"™s credit policies and procedures to minimize bad debt losses and optimize sales. Ensuring all credit operations comply with relevant laws and regulations.

About The Role JD For Credit Manager Loan Underwriting Handling secured, unsecured and working capital and LAP Evaluate and process end to end Loan applications within agreed TAT timelines. Timely clearance of open audit queries, quality control checks Timely completion of Vendor Management related activities Providing support to Business Plan through quick turnaround of New and Existing proposals and work with team to optimize returns while remaining within Risk Appetite Conducting stock audits as per the Stock audit plan through empanelled vendors. Analyzing/ Reviewing the reports received and highlighting the observations to the Management and taking necessary action. Handling different MIS"™s of Portfolio. Monitoring churning and overdue in accounts. Processing bills of empaneled vendors for service rendered. Coordinating with empaneled vendors and resolving issues (if any). Coordinating with Business team, Credit teams, etc as per the requirement. Other related activities. Approve or reject loan requests, based on credibility and potential revenues and losses Calculate and set interest rates Negotiate loan terms with clients Monitor payments Maintain records of loan applications

About The Role JD For Credit Manager Loan Underwriting Handling secured, unsecured and working capital and LAP Evaluate and process end to end Loan applications within agreed TAT timelines. Timely clearance of open audit queries, quality control checks Timely completion of Vendor Management related activities Providing support to Business Plan through quick turnaround of New and Existing proposals and work with team to optimize returns while remaining within Risk Appetite Conducting stock audits as per the Stock audit plan through empanelled vendors. Analyzing/ Reviewing the reports received and highlighting the observations to the Management and taking necessary action. Handling different MIS"™s of Portfolio. Monitoring churning and overdue in accounts. Processing bills of empaneled vendors for service rendered. Coordinating with empaneled vendors and resolving issues (if any). Coordinating with Business team, Credit teams, etc as per the requirement. Other related activities. Approve or reject loan requests, based on credibility and potential revenues and losses Calculate and set interest rates Negotiate loan terms with clients Monitor payments Maintain records of loan applications

About The Role Role Name Department Commercial Banking - Credit Monitoring & Strategy Location Mumbai Number of Positions 1 Reporting Relationships Vice President Position Grade Senior Manager Position Purpose : With the Bank"™s growing asset portfolio, there is an imminent need for building systems and processes for analysing data from multiple sources & drilling down to industry / sector level performances through advisories as well as forecasts based on a set of assumptions, on both threats and opportunities for growth, including specific references to individual borrowers and at group level; event-based impact analyses, tight monitoring of portfolio quality, timely identification of accounts that require closer monitoring, ability to think through risk mitigating structures / follow up for implementation of review outcomes / action points. Portfolio Monitorin- Identify, manage and minimize shocks / stresses in the Credit Portfolio. Analytics and Advisory objective being to establish an enterprise approach focusing on key and emerging risks and opportunities, involving the following ; Advisories from CRILC / CRISIL and other rating agencies / Capitaline / webinars / research reports. Drill down to Industry / Sector performance. Correlate with Bank"™s portfolio on these major Industries / Sectors segments with direction on outlook. Maintaining subscription services, wherever necessary Preparation and monitoring of monthly EWS (Early Warning System) reports. Identify accounts under relevant categories, which need to be included under the EWS reporting, based on the overdue and churning and other such reports and other set identified parameters. Co-ordinate with Zonal / Regional, Business and Credit teams to analyze and update the latest information with relevance of such accounts. Discuss the identified accounts and report at a Zonal / regional level and subsequently present the EWS report made on a monthly basis to the Group Head / Business Head / Credit Head and to President (Commercial Banking). Note the directions / actionable made with regard to specific accounts, if any, and update the same to the concerned. Identify, analyze and deep dive on specific accounts which need to be carefully and specifically hind sighted. Chartered Accountant Past experience of 3 to 5 years Strong analytical skills - ability to carry out economic analysis, build quantitative and financial models to project future performance thus requiring fluency in MS Office, Advanced MS Excel (Macros, V-lookup, Pivot)\ and MS Powerpoint Knowledge of Bank"™s internal data systems Finnacle, CORE, etc. Ability to engage with internal and external stakeholders, gain their confidence and persuade them to cooperate with initiatives where required If you wish to apply for this job position, please fill your details in the Kotak Fast Track Application Form and mail to priyanka.lunawat@kotak.com Please mention the following in the subject line as "˜"Position Name" "Your Name" "Your Current Business Group"

About The Role JD For Credit Manager Loan Underwriting Handling secured, unsecured and working capital and LAP Evaluate and process end to end Loan applications within agreed TAT timelines. Timely clearance of open audit queries, quality control checks Timely completion of Vendor Management related activities Providing support to Business Plan through quick turnaround of New and Existing proposals and work with team to optimize returns while remaining within Risk Appetite Conducting stock audits as per the Stock audit plan through empanelled vendors. Analyzing/ Reviewing the reports received and highlighting the observations to the Management and taking necessary action. Handling different MIS"™s of Portfolio. Monitoring churning and overdue in accounts. Processing bills of empaneled vendors for service rendered. Coordinating with empaneled vendors and resolving issues (if any). Coordinating with Business team, Credit teams, etc as per the requirement. Other related activities. Approve or reject loan requests, based on credibility and potential revenues and losses Calculate and set interest rates Negotiate loan terms with clients Monitor payments Maintain records of loan applications

About The Role Credit Manager-RELATIONSHIP BANKING GROUP-Credit JOB DESCRIPTION Role Credit Appraisal Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation Stock on HireIncrease in volume of business Ensure that SOH increases(pl confirm if this applies to CM role ) NPA trend Analyze the NPA trend like area, industry, sector etc. Interact with Customers & understand the business and regularly monitor delinquencies / infants. Infant loan which is less than 12 months NPA Ensure qualitative portfolio

About The Role Key area of operations are managing disbursements of :-Grade M1 Personal / business loan Commercial vehicle loans Tractor finance. Commercial Vehical Loan Brief job descriptions :- Understanding on various Retail Asset Products (Consumer & Commercial PL, BL, OD, HF, LAP, CV, LCV, CE, TFE,) Preferably, experience in handling project workflows and exposure to retail assets. Good verbal and written communication skills Having 1 -2 yrs of experience in handling similar products. Should be hands on in excel operation with good typing speed. Should be able to follow bank"™s guidelines and be open to learning new processes and system. Should be an effective team member of RA-Ops to handle loan disbursement

About The Role Job Role: Evaluating Credit requirements of potential customers (Strategic and retail) in the Commercial Vehicle business Underwriting and preparation of credit assessment notes covering detailed analysis of business, management and financials Balance Sheet / Other Financial statement analysis and identifying risk factors Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RM"™s and company involved Ensure adherence of credit policies and RBI guidelines Continuous monitoring of Infant Delinquencies Job Requirements: 5 to 8 years MBA (Finance)/CA Credit Analyst/Credit Manager

Department Regulatory ReportingLocation MumbaiNumber of Positions 1Reporting Relationship Team Leader - Regulatory ReportingPosition Grade M3 / M4 Job Role: PAN Bank Exposure report and CRILC return :- Preparing the PAN Bank Exposure Report. Co-oridnating with various department of the bank to get the data / information for PAN Bank exposure data and other returns.Analysis of trend and reconciliation of Pan Bank exposure report with source data. Compiling, checking and filing the monthly CRILC return Highlighting major risks if any arising from the existing process or reporting and taking corrective action. Other monthly / quarterly returns/ exposure reportPreparing the Gift City Exposure Report on monthly basis. Working on WBG data points for Capital Market Exposure (CME) and Commercial Real Estate (CRE) on monthly basis. Compiling, checking and filing the Return of Large Exposure (RLE), Return on Large Corporate (RLC) & Return on Connected Exposure ( RCE) every quarter.Working on Return on Asset quality (RAQ) & SIBC Industry data point on quarterly basis. Working on Credit data points of risk based supervision (RBS) document to RBI on quarterly basisAnalyzing the trends in Key risk indicators for the Bank based on above return filing. Working on Board Note, compliance note and Substantial exposure reporting quarterly as per internal guideline. Providing exposure related data to auditors, compliance, legal, inter department, regulator, etc and resolving audit queries. Automation project : Drafting BRD and conducting UAT w.r.t automation project. Implementing automation project of the bank, drafting process note and monitoring the data flow. Qualification/ Experience/ Skill Requirement: Bachelor's/Masters degree in Finance, Accounting, Business Administration, or related field.At least 3-4 years of experience and well-versed with computers/ excel. Knowledge of Credit Appraisal, Credit Monitoring or regulatory requirements.Analytical skills, proficiency in trend analysis and understanding of data flow in banking system. Written and verbal communication skill with the ability to present information clearly and concisely.

About The Role The Group Internal Audit department conducts risk based internal audit of the Bank and its subsidiaries, including international subsidiaries. The role would involve executing credit audits of various businesses under Commercial Bank/Wholesale Bank. Understanding & evaluating credit proposals independently and highlighting gaps, if any. Testing operating effectiveness of controls, identifying weaknesses therein and making recommendations to improve the control environment; preparing audit reports/presentations; etc. Gaining & sharing knowledge. Job Requirements: Good understanding of banking business processes (lending) and exposure to credit underwriting/credit audits will be preferred. Knowledge about key regulatory requirements effecting banks"™ lending businesses. Willingness to invest & qualify for the internal audit practice. Willingness to travel on job. Strong analytical skills. Good oral & written communication skills. Good interpersonal skills to engage with audit clients and audit team. Proficiency in MS office, internal core banking & other Satellite systems.

About The Role Job Role: Looking after credit underwriting of SENP / SEP cases by having deep understanding of applicants financials and business background post visiting customer. Delinquency monitoring for underwritten cases during the infant stage so as to keep delinquency to almost Nil levels. Managing the credit quality of underwritten cases. Having sound knowledge of present economic indicators as well as updates in mortgage industry. Maintaining decent productivity levels of processing. Being a team player while assisting the team in implementing HO & local policies at ground level. Handling of CPAs and mentoring them to extract quality in their output. Monitoring their productivity levels. Job Requirements: CA /MBA done from well-known Institute. Min 2 4 years of experience in mortgage with bank or NBFC. Having above exposure in SENP segment (non Salaried segment). Same Posting Description for Internal and External Candidates

About The Role Description: RBG Business under Commercial Banking at Kotak Mahindra Bank caters to all the working capital requirements of Transporters/ Logistics/ Warehousing/ Infrastructure/Dealer Finance segments. Hence, preferable industry would be these segments, however,good candidate with experience in Credit Corporate / SME/Mid-Market/Any other Dept. job role other than these segments canalso be considered. Evaluating Working Credit requirements of potential customers of RBG caters to Transporters, Automobile Dealers, Logistics & Warehousing, Govt Infrastructure Contractors, as customer segment. Underwriting and preparation of credit assessment notes covering detailed analysis of business, management and financials Balance Sheet / Other Financial statement analysis and identifying risk factors Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Continuous monitoring of Infant Delinquencies. Job Requirements: 3 to 8 years MBA (Finance)/CA

About The Role Risk Manager Department Kotak Mahindra Bank Ltd Consumer Durables Location Mumbai HO Number of Positions One Reporting Relationship Reporting to Business Head Consumer Durables Business Position Grade M7-M8 Job Role: Risk management & Portfolio monitoring for Consumer durable loans. Managing Risk containment unit for Consumer businesses Portfolio monitoring and continuous review of Consumer durable, Digital Business finance, Life style business, Personal loan cross sell Improving controllership by way of building strong system Building and automating credit approval engine Support launch of new products with policy & system build and implementation Formulating Risk policy & support to launch Digital product Drive and support initiatives to build scale Rural lending business Job Requirements: Qualification MBA and/or Professional Degree preferred Job Knowledge and experience Should have at least 15 years of experience in credit / risk environment Should have at least 6 years of experience in heading risk / credit for a large setup Should have good understanding of CD Business & Retail industry Should be able to drive and work with a Team reporting Should be a Team player, Relationship person and should be ready to travel widely

About The Role Credit Manager-HF LOAN AGAINST PROPERTY (LAP)-Credit JOB DESCRIPTION Job Role: Looking after credit underwriting of SENP / SEP cases by having deep understanding of applicants financials and business background post visiting customer. Delinquency monitoring for underwritten cases during the infant stage so as to keep delinquency to almost Nil levels. Managing the credit quality of underwritten cases. Having sound knowledge of present economic indicators as well as updates in mortgage industry. Maintaining decent productivity levels of processing. Being a team player while assisting the team in implementing HO & local policies at ground level. Handling of CPAs and mentoring them to extract quality in their output. Monitoring their productivity levels. Job Requirements CA /MBA done from well-known Institute. Min 2 4 years of experience in mortgage with bank or NBFC.