Evaluate and underwrite agricultural SME credit proposals, including working capital, commodity finance, and project loans. Conduct financial analyses, credit appraisals, customer meetings, and site visits; prepare appraisal notes and present recommendations to approval forums. Monitor credit portfolios, identify risks, manage renewals and enhancements, revise account strategies and ratings, and ensure compliance with lending policies while supporting business decisions.
We are seeking a detail-oriented and analytical Credit Manager to evaluate and underwrite credit proposals in the Agri-Fin Projects segment. The role involves assessing financials, conducting market visits, and ensuring timely and compliant credit processing. The ideal candidate should have strong financial analysis skills, experience in credit underwriting, and a proactive approach to risk management.
ResponsibilitiesProvide sound, independent, and unsolicited credit advice and recommendations on Agri SME credit proposals. Handle all types of working capital requirements (fund-based and non-fund-based), commodity finance, and project loans for Agri SME enterprises. Conduct thorough credit appraisals, including financial analysis to assess solvency, liquidity, and repayment capacity of entities. Prepare detailed appraisal notes and perform credit checks. Present proposals to various sanctioning forums as per approval authorizations, ensuring all queries from the approving authority are satisfactorily addressed. Conduct customer meetings and site visits at factories, offices, and residences to assess business operations, inventory, and working environment. Interact regularly with the approving authority, providing necessary information to support informed decision-making and sharing independent views on credit and economic developments. Monitor and manage the local credit portfolio proactively, identifying and mitigating risks through in-depth knowledge of individual credit-takers. Engage with business teams to revise account strategies or credit ratings as needed. Ensure timely renewal of accounts and manage portfolio enhancements efficiently. Align decision-making with business requirements while maintaining the quality of decisions and adhering to laid-down policies through regular discussions with business teams.Similar Jobs
Insurance • Payments • Financial Services
Evaluates and underwrites Agri SME credit proposals, including working capital, commodity finance, and project loans. Performs financial analysis, credit checks, appraisal documentation, customer meetings, and site visits. Presents proposals to sanctioning authorities, addresses approval queries, monitors credit portfolios, mitigates risks, manages renewals and enhancements, and collaborates with business teams while maintaining policy compliance and credit quality.
Insurance • Payments • Financial Services
Evaluates and underwrites Agri SME credit proposals, including working capital, commodity finance, and project loans. Performs financial analysis, credit appraisals, site visits, portfolio monitoring, risk mitigation, account renewals, and credit rating reviews. Presents recommendations to sanctioning forums, addresses approval queries, and collaborates with business teams while maintaining policy compliance and credit quality.
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Performs UAT planning, test-case creation, execution, defect tracking, and end-to-end business process validation. Translates requirements into test scenarios, collaborates with business users and stakeholders, participates in Agile/Scrum ceremonies, supports defect resolution, and prepares UAT sign-offs. The role requires strong business-domain understanding, analytical skills, stakeholder management, and communication. Selenium or Playwright automation experience, test management tools, and banking, financial services, or insurance experience are preferred.
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