RC - Credit Officer - Tractor - Rural Credit

RC - Credit Officer - Tractor - Rural Credit

INTERNAL USAGE : No. of Vacancies :

Reports to :

Regional Credit Manager

Is a Team leader

Team Size : NA

Grade : Business :

Corporate Center

Department : Retail Credit

Sub - Department : Rural Credit

Location : About Rural Credit

Rural Lending is a part of Retail Credit and caters to all financial needs of the Rural Clientele including Farming community, Farm Mechanization ie Tractor & Harvestor, Traders & Processors mostly based out of Rural & Semi Urban areas along with the credit needs of the industries dependent on the Agriculture / allied activities and MSME businesses based in rural areas, and Micro Finance, which is Lending to economically active poor Women under Joint Liability Group.

About the Role

The Credit Manager manages the credit activities and processes of the Rural Credit vertical for the designated location. The Credit Manager is responsible for smooth functioning of the Credit appraisal activities and ensures adherence to the processes designed by the bank

Key Responsibilities

Preparation of the credit proposals by providing quick insight as a part of the sanctioning authority and by ensuring adherence to the standard process, Turn Around Time and decision consistency

Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality.

Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions

Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives

Ensure timely completion of key deliverables, audit queries and adherence to the rural credit policy / scheme

Qualifications Desired

Graduation / Post- Graduation / Post Graduate in Agri business Management (MBA / CA preferred) from a recognized institute.

Role Proficiencies :

Knowledge of credit, preferably Tractor or Farmer Funding industry and product trends

Knowledge of regulatory guidelines and norms

Good communication (both verbal and written) skill in both English and the local language

Skills Required

Refer to the Job Description