Credit Manager - Agri at IDFC FIRST Bank

Job Description

Job Requirements

Role/ Job Title : Credit Manager - Agri

Business : Retail Underwriting - Agri

Function/ Department: Credit - underwriting

Job Purpose:

'Candidate will be responsible for assessing the loan applications, which involves determining the financial health and creditworthiness of potential borrowers. These managers work with borrowers to explain loan terms and offer advice aimed at reducing risks and achieving positive outcomes for all parties.

Roles & Responsibilities:

'1. Help develop relevant unnati MBL loans credit policies based on laws, regulations, and industry trends.

2. Assessment of customers sourced by Sales Team as per credit policy.

3. Scrutiny of loan application, KYC, Financial Reports, Collateral Documents and ascertaining eligibility as per credit policy.

4. Underwriting of proposal is based on customers profile.

5. Verification of Credit checks like RBI default list, dedupes checks about negative, caution and restricted profiles, Probe details, Individual and Commercial CIBILS, etc. and other mandatory checks as per credit policy and guidelines.

6. Analysis of statement of accounts, preparation of perfios.

Secondary Responsibilities:

'1. Understanding account related parameters. i.e., Churning, Cheque Returns, Utilization of facility, Interest Servicing, Cash flows, Cash deposits, remittance, and receivables details etc.

2. Analysis of valuation report and legal reports

3. Maintain best Turn Around Time and keep nil Audit and hind-sighting error to ensure quality in underwriting and maintain healthy Portfolio

Qualifications:

Post Graduate Degree - Graduate / Post Graduate / Professional qualification

Years of Experience:

2-3 Years of relevant experience

Frequently Asked Questions

What are the eligibility criteria for the Credit Manager - Agri job at IDFC FIRST Bank?

Eligibility typically includes the qualifications and experience outlined in the job description above, with around 0-2 Years years of relevant experience expected for this role.

What are the primary responsibilities of a Credit Manager - Agri at IDFC FIRST Bank?

The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Credit Manager - Agri at IDFC FIRST Bank.

Is prior experience required for this position?

This role requires around 0-2 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 Manager - Agri role at IDFC FIRST Bank?

You can apply directly using the Apply Now button on this page, which will take you to IDFC FIRST Bank's application process for this role.

Credit Manager - Agri

IDFC FIRST Bank — Mandsaur, MANDSAUR