National Credit Manager - Agri Credit - Bank

Hiring for a well known bank

- Maintain highest level of credit & risk standards, compliance to laid down guidelines and quality norms along with timely and accurate underwriting.

- Should have understanding of credit policy and processes as well as credit environment.

- Credit approval of transactions as per authorized limits. Recommends and forwards to appropriate authority in-case of higher limit, deviation, deferral.

- Market references and build good reference touch points.

- Ensure TAT is adhered for credit delivery. Co-ordination with business teams for reducing TAT and improving approval ratio. Monitor end-to-end TAT process for credit analysts

- Review portfolio every month and manage credit quality and control delinquencies basis control on bounce rate, early delinquency and skip tracing.

- Support the Risk and Policy team for framing policies.

- Aware of industry trends, key factors impacting industry, performance of trade in local market and other regulatory impact.

- Managing the credit team. Work with both Credit and sales team to bring quality portfolio

- Resolution of accounts in potential problem and watch lists

- Track external rating downgrades, irregularity reports and initiate intervention

- Ensure timely reviews and renewals.

- Product programme review to be conducted. Review of promoter funding and Working capital product need to be done analysing LTV parameters, cluster based approach, Industry specific product lines etc. Portfolio review to be concluded before finalizing the review of product programme.

- Set in attitudinal and process changes to minimise back & forth handoffs, and ensure requests for information are cogent, relevant and reasonable.

- Monitor and take corrective steps for comprehensive and error free Risk advice.

Shruthi Acharya
Skillventory