Credit Manager-AGRI-FIN-PROJECTS (AF)-Credit

We are seeking a detail-oriented and analytical Credit Manager to evaluate and underwrite credit proposals in the Agri-Fin Projects segment.

Requirements

• Provide sound, independent, and unsolicited credit advice and recommendations on Agri SME credit proposals.
• Handle all types of working capital requirements (fund-based and non-fund-based), commodity finance, and project loans for Agri SME enterprises.
• Conduct thorough credit appraisals, including financial analysis to assess solvency, liquidity, and repayment capacity of entities.
• Prepare detailed appraisal notes and perform credit checks.
• Present proposals to various sanctioning forums as per approval authorizations, ensuring all queries from the approving authority are satisfactorily addressed.
• Conduct customer meetings and site visits at factories, offices, and residences to assess business operations, inventory, and working environment.
• Interact regularly with the approving authority, providing necessary information to support informed decision-making and sharing independent views on credit and economic developments.
• Monitor and manage the local credit portfolio proactively, identifying and mitigating risks through in-depth knowledge of individual credit-takers.
• Engage with business teams to revise account strategies or credit ratings as needed.
• Ensure timely renewal of accounts and manage portfolio enhancements efficiently.
• Align decision-making with business requirements while maintaining the quality of decisions and adhering to laid-down policies through regular discussions with business teams.