Credit Mgr|Retail Agri KG

Job Description
• Credit Delivery Adherence to defined Policy and Processes with minimum defects, and increasing efficiency of underwriting by reducing reworks and increasing FTAR.
• Follow up with business counterparts for pending cases and FTNR reduction so as to ensure both credit TAT and E2E TAT is met as defined by the management.
• Using different scoring models /tools as rolled by senior management to differentiate between customer segments while underwriting.
• Follow up with the business counterparts for housekeeping Parameters such as PDD's / RC pendency / Mutation Checks/ EMR / Overdue deferrals Credit Visit To Non Starters / EMR for RCA and update senior management.
• Credit Quality Ensuring Minimal PAR errors.
• Ensuring Non-starter and EMR is within Budget.
• Vendor Management & House Keeping Visit to Vendor's on regular intervals to keep a close watch on quality.
• Training of Vendor staff in line with the policy and process of the Bank Processing vendor bills after thorough reconciliation with internal MIS.
• Ensuring DATA security for self & at Vendor's Shops.
• Audit To ensure adherence to both internal and external audit guidelines.
• To ensure CAD is not breached.
• To ensure e attendance is marked immediately after booting the system and log out before leaving office for the day.
• To ensure User ID & Password is not shared with anyone in line with ISG policy of the Bank.
• To ensure all relevant support is extended to the auditors for a smooth closure and the report is satisfactory.
• Monitoring To ensure Approval Rate / Credit & E2E TAT / FTAR / Pending Reasons / Rejection Reason to be monitored on real time basis at a location level across products to check slippages.
• KGC Mutation Confirmation To conduct the online mutation checks where ever applicable and initiate the rest with lawyer and obtain report from lawyer.
• Review the report and in case of discrepancy, initiate the action as applicable.
• TSR Initiation Ensure overall co-ordination with RM/Lawyer and ensure final TSR closure by Lawyer within prescribed TAT.
• KGC Cam Renewal The CC limit for KGC needs to annually reviewed based on the account conduct and other parameters as per Policy Both Credit and business deferrals are reviewed and followed up with stake holders for closure.

Skills
• Basic Aptitude
• Understand and Reading Financial Statement
• Understanding of Agricultural nuances are an added advantage
• Interpersonal Skills
• Good Communication Skills
• Ability to negotiate