Role/ Job Title Credit Manager-Agri Infra-Business Banking Underwriting
Function/ Department Business Banking Underwriting
Job Purpose
- To assess, evaluate, review, and approve proposals as a first officer for the business banking relationship which is referred to retail credit.
- Maintain the service level deliverables agreed with counter parts.
- Effective portfolio management including regular monitoring, early warning identifications, deferral tracking, renewals and working on appropriate account strategy in conjunction with business team in line with the Banks s risk appetite
Roles Responsibilities
Appraisal of proposals
- Credit appraisal of loan application within defined guidelines and accordingly take decision, recommend for approval to higher authorities.
- To convey a clear opinion/ Highlight Critical risks along with suitable mitigates if any, regarding the acceptability of the proposed transactions/ facilities covering business model, industry risk, structure, Bank Conduct and Financials risk.
- Awareness of the product proposed, suitability to client requirement
- Conduct personal discussion with customers.
Portfolio Monitoring
- Timely Renewal
- Deferral Management
- EWS Management
- Customer visits on key customers and high value relationship
TAT
- Maintaining the defined credit and end to end TATs to timely service internal as well as external customers.
Secondary Responsibilities
- Co-ordination with Counter parts in Business, Operations, Legal, Technical and others as required.
- Ensure all MIS related to credit are submitted within defined timeliness.
- Area Knowledge
Education Qualification
Graduation Any Graduate
Experience 2-5 Years preferably in Agri Infra/KCC/Working Capital
