Credit Officer | Agri

Credit Officer - AgriMFT1386

Retail & Sme Credit, Biu & StrategySalem

Required Experience

2 - 4 Years

Posted On

31 Jul 2024

Basic Section

No. Of Openings

1

Grade

NA1

Designation

Others

Closing Date

23 Feb 2024

Organisational

Organisation

CSB Bank

Organization Unit

Retail & SME (Business And Risk), Operations & IT

Sub Org Unit 1

Retail & SME Credit, BIU & Strategy

Sub Org Unit 2

Credit, Risk & Control

Sub Org Unit 3

Credit Underwriting - Retail

Sub Org Unit 4

Credit FI & Agri

Sub Org Unit 5

FI & Agri Credit- Tamilnadu

Sub Org Unit 6

FI & Agri - Coimbatore Cluster - Credit

Branch/Department Code

++1

Branch/Department Name

HO - Financial Inclusion And Agriculture

Country

India

Geographic Zone

South

State

Tamilnadu

City

Salem

Worksite

Salem

Worksite Code

83

Skills

Skill

CREDIT

CREDIT ANALYSIS

Minimum Qualification

GRADUATE

CERTIFICATION

No data available

Working Language

ENGLISH

Job Description

Underwriting of business proposals under retail agri and Agri MSME. Maintaining the health of the portfolio and delivery of the credit decisions within the TAT, Operations and Collections etc. Managing the Operations of the vertical at a branch and cluster level.
• Strategy
• Prepare the process note and ensure timely sanction of the credit proposals
• Align with the product, policy and processed while submitting the credit proposals to the sanctioning authority
• Ensure the portfolio quality to minimize the NPA and credit losses
• Overall coordination of branches under the Cluster, for ensuring the quality of the portfolio
• Stay updated on the recent changes in policy and regulatory guidelines and ensure the same is reached to all the stakeholders
• Laison with the internal and external stakeholders
• Prepare the various returns and MIS related to the credit portfolio and monitor the same on a regular basis.
• Ensure the timely review and renewal of the accounts
• Achieving Operational Efficiency
• Timely intervention to ensure the quality of sourcing and minimizing the turnaround time
• Study and analyze the service quality by visiting / interacting branches and customers and recommend remedial measures.
• Follow up with branches on compliance of internal audit matters, monitor
• Coordinate with the collection team on timely repayment of the dues and interest.
• Provide the various reports and update on sales, collection and the quality of the portfolio.

Any other tasks assigned by the Bank