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

Credit Manager

Department

Agri Business Group

Location

Vashi

No.of Positions

Reporting Relationships

Area Credit Manager

Position Grade

Manager - M3

Job Role : Job Role

• 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.
• Excellent written and oral communication skills
• Chartered Accountant with 2
• MBA Finance with 3 years of experience
• Good analytical skills

Personality Traits :

If you wish to apply for this job position, please fill your details in the pplication Form and mail to

Please mention the following in the subject line as ' 'Position Name' -' Your Name' - ' Your Current Business group '

Application : Skills Required

Financial Analysis, Credit Appraisal