Credit Manager

Job Description

Role & responsibilities : To provide sound, independent (unsolicited) credit advice, recommendations and quality feedback on Agri SME credit proposals. Handling all types of working capital (Fund base and Non-fund based limit), Commodity finance and Project loans for Agri SME enterprises. Credit appraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes, credit checks etc. As per Approval Authorizations, presenting the proposal to various sanctioning forums and get it sanctioned from approving authority satisfying all their queries. Meeting Customer and making Site visits at factory/office/residence of the client, viewing the working capacities of the business, inventory and working environment of the business. To interact with approving authority and provide them with required information for better decision making and engaging in regular discussions to give them an independent view of the credit / economic developments. To monitor and manage local credit portfolio and other risks on a proactive basis by having an in-depth knowledge on individual credit-takers. Engage in discussions with the business to modify account strategy / credit rating etc as warranted. Manage and ensure timely renewal of accounts and enhancement of portfolio. To align decision making with business requirements without compromising on quality of decision making or compromising on laid down policies by engaging in regular discussions with the business teams. Preferred candidate profile MBA Finance with 3 years of experience Good analytical skills