Credit Manager-KCC
KakinadaFull-time2–5 yrsPosted 3 weeks ago
Mid-level finance role at IDFC FIRST Bank in Kakinada. Needs 2+ years and a degree.
About the role
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.
What you'll do
- Assessment of customers sourced by Agri Sales Team as per credit policy
- Pre sanction inspections field visit and personal discussion with customers to establish credit worthiness
- Verification of Credit checks like RBI default list, dedupes checks about negative, caution and restricted profiles, Probe details, Individual and Commercial CIBILS
- 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
What you need
- Underwriting
- Valuation
- KYC
- Cash flow
- Sales
- Accounts receivable