Credit Manager - Agri

Idfc First Bank Limited; Mandsaur; On-site; INR 600,000 - 900,000; Full time

Job summary

IDFC FIRST Bank Limited is seeking a Credit Manager for Agri within Retail Underwriting - Agru. The role focuses on assessing loan applications, determining creditworthiness, and communicating terms to borrowers to manage risk.

The candidate will help develop credit policies, underwrite proposals, perform KYC and RBI checks, and analyze financial statements to ensure portfolio health and adherence to policy and timelines.

Qualifications

• Postgraduate degree required.
• 2-3 years of relevant experience in credit underwriting.
• Experience with KYC, RBI checks and credit policy compliance.

Responsibilities

• Assess loan applications and determine creditworthiness.
• Explain loan terms to borrowers and advise on risk management.
• Underwrite proposals based on customer profiles and credit policy.
• Verify checks like RBI default lists, dedupes, and CIBIL where applicable.
• Prepare analyses and perfios reports.

Skills

Credit underwriting

KYC

Financial analysis

Education

Post Graduate Degree

Tools

Perfios

Job description

Job Description:

Job Requirements

Role/ Job Title : Credit Manager - Agri

Business : Retail Underwriting - Agri

Function/ Department: Credit - underwriting

Job Purpose

Candidate will be responsible for assessing the loan applications, which involves determining the financial health and creditworthiness of potential borrowers. These managers work with borrowers to explain loan terms and offer advice aimed at reducing risks and achieving positive outcomes for all parties.

Roles & Responsibilities

• Help develop relevant unnati MBL loans credit policies based on laws, regulations, and industry trends.
• Assessment of customers sourced bySales Team as per credit policy.
• Scrutiny of loan application, KYC, Financial Reports, Collateral Documents and ascertaining eligibility as per credit policy.
• Underwriting of proposal is based on customers profile.
• Verification of Credit checks like RBI default list, dedupes checks about negative, caution and restricted profiles, Probe details, Individual and Commercial CIBILS, etc. and other mandatory checks as per credit policy and guidelines.
• Analysis of statement of accounts, preparation of perfios.

Secondary Responsibilities

• Understanding account related parameters. i.e., Churning, Cheque Returns, Utilization of facility, Interest Servicing, Cash flows, Cash deposits, remittance, and receivables details etc.
• Analysis of valuation report and legal reports
• Maintain best Turn Around Time and keep nil Audit and hind-sighting error to ensure quality in underwriting and maintain healthy Portfolio

Qualifications

Post Graduate Degree - Graduate / Post Graduate / Professional qualification

Years of Experience

2-3 Years of relevant experience