Credit Manager - Agri

IDFC FIRST Bank; Nandyala; On-site; INR 800,000 - 1,500,000; Full time

Job summary

IDFC FIRST Bank is seeking a Credit Manager - Agri in Retail Underwriting to assess loan applications, verify KYC and collateral, and determine creditworthiness in line with policy. You will collaborate with the sales team and support decision making to mitigate risk.

The role emphasizes thorough analysis of financials, statements, and reports, and ensuring adherence to RBI guidelines while maintaining timely underwriting and healthy portfolio quality.

Qualifications

• Postgraduate degree required with relevant specialization.
• Strong analytical and decision-making abilities are essential.
• Experience in retail underwriting or credit risk is preferred.

Responsibilities

• Assess loan applications and determine creditworthiness per policy.
• Review KYC documents, financial reports, and collateral.
• Underwrite proposals based on customer profile and risk factors.
• Verify credit checks such as RBI lists and CIBILS and other mandatory checks.
• Prepare statements and perfios analyses for underwriting decisions.

Skills

Credit underwriting

KYC checks

Education

Post Graduate Degree

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:

• 1. Help develop relevant unnati MBL loans credit policies based on laws, regulations, and industry trends.
• 2. Assessment of customers sourced bySales Team as per credit policy.
• 3. Scrutiny of loan application, KYC, Financial Reports, Collateral Documents and ascertaining eligibility as per credit policy.
• 4. Underwriting of proposal is based on customers profile.
• 5. 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.
• 6. Analysis of statement of accounts, preparation of perfios.

Secondary Responsibilities:

• 1. Understanding account related parameters. i.e., Churning, Cheque Returns, Utilization of facility, Interest Servicing, Cash flows, Cash deposits, remittance, and receivables details etc.
• 2. Analysis of valuation report and legal reports
• 3. 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:

2-5 Years of relevant experience