Credit Manager-Rural Credit-Business Banking Underwriting

• To assess, evaluate, review, and approve proposals as a first officer for the business banking relationship which is referred to retail credit.

• Maintain the service level deliverables agreed with counter parts.

• Effective portfolio management including regular monitoring, early warning identifications, deferral tracking, renewals and working on appropriate account strategy in conjunction with business team in line with the Banks’s risk appetite

• Credit appraisal of loan application within defined guidelines and accordingly take decision, recommend for approval to higher authorities.
• To convey a clear opinion/ Highlight Critical risks along with suitable mitigates if any, regarding the acceptability of the proposed transactions/ facilities covering business model, industry risk, structure, Bank Conduct and Financials risk.
• Awareness of the product proposed, suitability to client requirement
• Conduct personal discussion with customers.

• Timely Renewal
• Deferral Management
• EWS Management
• Customer visits on key customers and high value relationship

• Maintaining the defined credit and end to end TATs to timely service internal as well as external customers.

• Co-ordination with Counter parts in Business, Operations, Legal, Technical and others as required.
• Ensure all MIS related to credit are submitted within defined timeliness.
• Area Knowledge

IDFC FIRST Bank