Credit Manager-KCC

As a Credit Manager for KCC in the Retail Banking division, your role is crucial in assessing loan applications and determining the financial health and creditworthiness of potential borrowers involved in agricultural activities. By working closely with borrowers, you will explain loan terms, provide advice to minimize risks, and strive for positive outcomes. Moreover, you will assist in developing ag-related credit policies in alignment with laws, regulations, and industry trends. Key Responsibilities: - Assess customers sourced by the Agri Sales Team according to the credit policy. - Scrutinize loan applications, KYC, Financial Reports, and Collateral Documents to determine eligibility as per the credit policy. - Conduct pre-sanction inspections, field visits, and personal discussions with customers to establish creditworthiness. - Underwrite proposals based on customers" Agri profile, including Agri land holding, source of irrigation, crops grown, and agricultural experience. - Verify Credit checks such as RBI default list, dedupes checks, Probe details, Individual and Commercial CIBILS, etc., as per the credit policy. - Analyze statement of accounts, prepare perfios, and understand account-related parameters like Churning, Cheque Returns, Cash flows, etc. - Scrutinize property documents, initiate valuation and legal reports, and analyze the findings. - Maintain a quick Turn Around Time, ensure zero Audit errors, and uphold quality in underwriting to manage a healthy Portfolio. Qualifications Required: - Graduation in any field, preferably Agri graduates. If there are any additional details about the company included in the job description, please provide them to enhance the understanding of the company's background and values.,