Credit Manager-KCC

Idfc First Bank Limited; Kakinada; On-site; INR 800,000 - 1,400,000; Full time

Job summary

Idfc First Bank Limited is seeking a Credit Manager for KCC/Agri to assess loan applications and determine borrower creditworthiness. You will review KYC, financial reports, and collateral, performing field visits to verify facts and ensure policy adherence. The role involves RBI compliance checks and preparing valuations and legal reports.

With 2–5 years in credit, you will support policy development and risk management within Retail Banking's agricultural credit segment.

Qualifications

• Graduate, preferably AgrI graduates.
• Experience in credit assessment and underwriting is desirable.
• Strong knowledge of RBI guidelines and credit policy.

Responsibilities

• Assessment of customers sourced by Agri Sales Team as per credit policy.
• Scrutiny of loan application, KYC, Financial Reports, Collateral Documents and eligibility per policy.
• Pre sanction field inspections and personal discussions to establish credit worthiness.
• Underwriting based on agricultural profile: land, irrigation, crops, experience.
• Verification of RBI default lists, dedupes, cautions and CIBILS checks per policy.
• Analyze statements, perfios, cash flows, deposits, remittance and receivables.
• Scrutiny of property documents and initiation of valuation and legal reports.

Skills

Credit assessment

KYC compliance

Underwriting

Field inspections

Financial analysis

Cash flow analysis

Education

Graduate, preferably Agri

Job description

Job Title - Credit Manager - KCC

Business Unit - Retail Banking

Function - Credit (KCC / Agri)

Job Purpose

Agricultural Credit Manager’s job is to assess loan applications, which involves determining the financial health and creditworthiness of potential borrowers, as well as agricultural activities carried out at his field. These managers work with borrowers to explain loan terms and offer advice aimed at reducing risks and achieving positive outcomes for all parties. In addition, Agricultural Credit Managers often help develop relevant ag-related credit policies based on laws, regulations, and industry trends.

Roles & Responsibilities

• Assessment of customers sourced by Agri Sales Team as per credit policy.
• Scrutiny of loan application, KYC, Financial Reports, Collateral Documents and ascertaining eligibility as per credit policy.
• Pre sanction inspections field visit and personal discussion with customers to establish credit worthiness.
• Underwriting of proposal is based on customers Agri profile i.e., Extent of Agri land holding, source of irrigation, crop grown and his experience in Agriculture.
• 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. Understanding account related parameters. i.e., Churning, Cheque Returns, Utilization of facility, Interest Servicing, Cash flows, Cash deposits, remittance, and receivables details etc.
• Scrutiny of property documents and initiation of valuation and legal reports. 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.

Educational Qualifications

Any graduate preferably Agri graduates.

Experience

2 - 5 years of experience in credit.