Credit Manager-KCC

Job Requirements

Job Title

Business Unit

Function

Job Purpose

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.
  

Educational Qualifications

Experience