Credit Manager

Grade-M2/M3

Location- Nagpur

Function- Agri Business Group - Credit

CTC- Rs.5.5 Lakhs

We are looking for candidate with CA qualification or MBA finance (2 years experience in working capital segment

Job Role :

• To provide sound, independent (unsolicited) credit advice, recommendations and quality feedback on Agri SME credit proposals.
• Handling all types of working capital (Fund base and Non-fund based limit), Commodity finance and Project loans for Agri SME enterprises.
• Credit appraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes, credit checks etc.

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  As per Approval Authorizations, presenting the proposal to various sanctioning forums and get it sanctioned from approving authority satisfying all their queries.
• Meeting Customer and making Site visits at factory/office/residence of the client, viewing the working capacities of the business, inventory and working environment of the business.
• To interact with approving authority and provide them with required information for better decision making and engaging in regular discussions to give them an independent view of the credit / economic developments.
• To monitor and manage local credit portfolio and other risks on a proactive basis by having an in-depth knowledge on individual credit-takers. Engage in discussions with the business to modify account strategy / credit rating etc as warranted.
• Manage and ensure timely renewal of accounts and enhancement of portfolio.
• To align decision making with business requirements without compromising on quality of decision making or compromising on laid down policies by engaging in regular discussions with the business teams.