Credit Manager-AGRI-FIN-PROJECTS AF -Credit

Kotak Mahindra Bank; Rajkot; On-site; INR 900,000 - 1,400,000; Full time

Job summary

Kotak Mahindra Bank is seeking a Credit Manager for the Agri-Fin Projects segment in Rajkot. You will evaluate financials, perform credit appraisals, and present proposals to sanctioning forums. The role requires proactive risk management, market visits, and timely processing of credit proposals for Agri SME enterprises.

Responsibilities include independent credit advice, portfolio monitoring, and collaboration with business teams to revise strategies while ensuring adherence to policies.

Qualifications

• Strong financial analysis skills with ability to evaluate solvency and liquidity.
• Experience in credit underwriting for Agri SME or similar segments.
• Proactive risk management approach and ability to monitor portfolios.

Responsibilities

• Provide independent credit advice and recommendations on Agri SME proposals.
• Handle working capital, commodity finance, and project loans for Agri SME enterprises.
• Conduct thorough appraisals including financial analysis and credit checks.
• Present proposals to sanctioning forums and address queries promptly.
• Conduct customer meetings and site visits to assess operations and inventory.
• Monitor local credit portfolio and revise strategies or ratings as needed.
• Ensure timely renewal of accounts and maintain decision quality per policies.

Skills

Financial analysis

Credit underwriting

Risk management

Credit appraisal

Job description

Job Description:

We are seeking a detail-oriented and analytical Credit Manager to evaluate and underwrite credit proposals in the Agri-Fin Projects segment. The role involves assessing financials, conducting market visits, and ensuring timely and compliant credit processing. The ideal candidate should have strong financial analysis skills, experience in credit underwriting, and a proactive approach to risk management.

Responsibilities

Provide sound, independent, and unsolicited credit advice and recommendations on Agri SME credit proposals. Handle all types of working capital requirements (fund-based and non-fund-based), commodity finance, and project loans for Agri SME enterprises. Conduct thorough credit appraisals, including financial analysis to assess solvency, liquidity, and repayment capacity of entities. Prepare detailed appraisal notes and perform credit checks. Present proposals to various sanctioning forums as per approval authorizations, ensuring all queries from the approving authority are satisfactorily addressed. Conduct customer meetings and site visits at factories, offices, and residences to assess business operations, inventory, and working environment. Interact regularly with the approving authority, providing necessary information to support informed decision-making and sharing independent views on credit and economic developments. Monitor and manage the local credit portfolio proactively, identifying and mitigating risks through in-depth knowledge of individual credit-takers. Engage with business teams to revise account strategies or credit ratings as needed. Ensure timely renewal of accounts and manage portfolio enhancements efficiently. Align decision-making with business requirements while maintaining the quality of decisions and adhering to laid-down policies through regular discussions with business teams.