Credit Manager Agri Business Group (ABG) 0140 2098 1052373 HRR

Job Description Credit Manager • Ability to assess the creditworthiness of applicants by analysing financial statements, credit reports, and other relevant information. • Conduct thorough risk assessments to determine the viability of loan requests. Evaluate and interpret financial ratios, cash flows, and collateral values to make informed credit decisions. • Familiarity with regulatory frameworks and compliance requirements related to credit operations. • Manage and mitigate credit risk by setting appropriate credit limits, terms, and conditions • Excellent communication and interpersonal skills, with the ability to build and maintain relationships with clients and Cross functional teams , necessary to understand their Loan Requirements and provide suitable credit solutions. • Delinquency monitoring for underwritten cases during the infant stage so as to keep delinquency to almost Nil levels. • Attention to detail and ability to handle high-volume work, meet deadlines, and manage multiple cases concurrently. • Proficiency in using credit analysis software and Microsoft Office applications like Excel / Outlook. • Being a team player while assisting the team in implementing HO & local policies at ground level. • Handling of CPAs and mentoring them to extract quality in their output. Monitoring their productivity levels. Provide 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.