Credit Manager-KCC

IDFC FIRST Bank; Nandyal; On-site; INR 700,000 - 1,100,000; Full time

Job summary

IDFC FIRST Bank in India is seeking a Credit Manager - Agri to join the Retail Underwriting - Agri team. You will assess loan applications, determine creditworthiness, and explain loan terms to borrowers.

The role entails developing credit policies aligned with laws and industry trends, reviewing KYC and collateral, and underwriting based on borrower profiles. You will also verify RBI lists, perform due diligence on financials, and ensure timely underwriting while maintaining portfolio quality.

Qualifications

• Post Graduate Degree or equivalent professional qualification.
• 2-5 years of relevant experience in credit underwriting.

Responsibilities

• Help develop relevant unnati MBL loans credit policies based on laws, regulations, and industry trends.
• Assessment of customers sourced by Sales 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.
• 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

Education

Post Graduate Degree

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.

• Assessment of customers sourced by Sales 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:

'1. 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:

2-5 Years of relevant experience