RC - Credit Officer - Tractor - Rural Credit

Department Icon BFSI (Credit & Risk)
Posted: 2 months ago
0-1 years
Vijayawada, Andhra Pradesh
BFSI (Credit & Risk)
work from office
Full Time

Posted: 2 months ago
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Job Description

RC - Credit Officer - Tractor - Rural Credit
INTERNAL USAGE:
No. of Vacancies:Reports to:Regional Credit Manager
Is a Team leaderNTeam Size:NA
Grade:
Business:Corporate CenterDepartment:Retail CreditSub-Department:Rural Credit
Location:
About Rural Credit
Rural Lending is a part of Retail Credit and caters to all financial needs of the Rural Clientele including Farming community, Farm Mechanization ie Tractor & Harvestor, Traders & Processors mostly based out of Rural & Semi Urban areas along with the credit needs of the industries dependent on the Agriculture /allied activities and MSME businesses based in rural areas, and Micro Finance, which is Lending to economically active poor Women under Joint Liability Group.
AbouttheRole
The Credit Manager manages the credit activities and processes of the Rural Credit vertical for the designated location. The Credit Manager is responsible for smooth functioning of the Credit appraisal activities and ensures adherence to the processes designed by the bank
Key Responsibilities

Preparation of the credit proposals by providing quick insight as a part of the sanctioning authority and by ensuring adherence to the standard process, Turn Around Time and decision consistency

Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality.

Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions

Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives

Ensure timely completion of key deliverables, audit queries and adherence to the rural credit policy/ scheme

Qualifications Desired
Graduation/ Post- Graduation / Post Graduate in Agri business Management (MBA/ CA preferred) from a recognized institute.
Role Proficiencies:
  • Knowledge of credit, preferably Tractor or Farmer Funding industry and product trends
  • Knowledge of regulatory guidelines and norms
  • Good communication (both verbal and written) skill in both English and the local language

Skills

Credit AppraisalRetail CreditCaCredit ManagerCredit Officer

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About Company

Axis Bank, one of India's leading private sector banks, is recognized for its innovative financial solutions and customer-centric approach. With a strong presence spanning across retail, corporate, and institutional banking, Axis Bank offers a comprehensive range of products and services tailored to meet the diverse needs of its customers. Committed to leveraging technology to enhance banking experiences, Axis Bank provides convenient digital banking platforms and cutting-edge financial tools. With a focus on transparency, integrity, and customer satisfaction, Axis Bank continues to be a trusted partner for individuals and businesses alike. Explore exciting career opportunities with Axis Bank, where talent is nurtured, and aspirations are realized in shaping the future of banking in India.

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