Credit Manager-KCC
IDFC FIRST Bank
Date: 3 weeks ago
City: Ambāla, Haryana
Contract type: Full time
Job Requirements
Job Description
Job Title - Credit Manager - KCC
Business Unit - Retail Banking
Function - Credit (KCC / Agri)
Job Purpose
Agricultural Credit Manager’s job is to assess loan applications, which involves determining the financial health and creditworthiness of potential borrowers, as well as agricultural activities carried out at his field. These managers work with borrowers to explain loan terms and offer advice aimed at reducing risks and achieving positive outcomes for all parties. In addition, Agricultural Credit Managers often help develop relevant ag-related credit policies based on laws, regulations, and industry trends.
Roles & Responsibilities
Any graduate preferably Agri graduates.
Experience
2 - 3 years of experience in credit.
Job Description
Job Title - Credit Manager - KCC
Business Unit - Retail Banking
Function - Credit (KCC / Agri)
Job Purpose
Agricultural Credit Manager’s job is to assess loan applications, which involves determining the financial health and creditworthiness of potential borrowers, as well as agricultural activities carried out at his field. These managers work with borrowers to explain loan terms and offer advice aimed at reducing risks and achieving positive outcomes for all parties. In addition, Agricultural Credit Managers often help develop relevant ag-related credit policies based on laws, regulations, and industry trends.
Roles & Responsibilities
- Assessment of customers sourced by Agri Sales Team as per credit policy.
- Scrutiny of loan application, KYC, Financial Reports, Collateral Documents and ascertaining eligibility as per credit policy.
- Pre sanction inspections field visit and personal discussion with customers to establish credit worthiness.
- Underwriting of proposal is based on customers Agri profile i.e., Extent of Agri land holding, source of irrigation, crop grown and his experience in Agriculture.
- 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.
- Analysis of statement of accounts, preparation of perfios. Understanding account related parameters. i.e., Churning, Cheque Returns, Utilization of facility, Interest Servicing, Cash flows, Cash deposits, remittance, and receivables details etc.
- Scrutiny of property documents and initiation of valuation and legal reports. Analysis of valuation report and legal reports.
- Maintain best Turn Around Time and keep nil Audit and hind-sighting error to ensure quality in underwriting and maintain healthy Portfolio.
Any graduate preferably Agri graduates.
Experience
2 - 3 years of experience in credit.
How to apply
To apply for this job you need to authorize on our website. If you don't have an account yet, please register.
Post a resumeSimilar jobs
Assistant Manager - PLCS - Growth
Bajaj Finserv,
Ambāla, Haryana
1 week ago
Location Name: AmbalaJob Purpose“This position is open with Bajaj Finance ltd.”Duties And Responsibilities Track and improve key performance indicators such as query resolution time, repeat queries etc Liaise with sales team & IT team to ensure reduction of sales queries and bottle necks Build various process/policy checks on SFDC workflow to ensure minimum leakages downstream by working closely with IT/COE...
Business Development Manager
Duple IT Solutions Pvt. Ltd.,
Ambāla, Haryana
1 week ago
Key Skills Fluent Communication in English (verbal and written)Knowledge of web designing technologies.Knowledge of web development technologies.Knowledge of mobile app development technologies.Lead Conversion, Negotiation Skills.Project understanding and Document Preparation.Wireframe designing.(Optional)Able to handle clients(calls and messages) and respond to their queries.Team Handling.Quick learner.Benefits Working environments that is safe, fun loving, comfortable and appealing to work in.Ongoing opportunities and incentives to learn,...
Senior Executive - Debt Management Services - Consumer
Bajaj Finserv,
Ambāla, Haryana
4 weeks ago
Location Name: NaraingarhJob PurposeThe Debt Management Specialist will be responsible for managing and coordinating the recovery of overdue payments on loans or credit accounts.Duties And ResponsibilitiesAchieve collections target by visiting customers/agency.Monitor performance against set parameters and provide regular updates.Ensure legal guidelines are complied with while repossessing products.Maintain accurate records of customer interactions and transactions.Provide regular reports on collection activities and...