Job description

Area Credit Manager – Agri Business Group
Department Commercial Banking – Agri Business Group: Credit
Location- Hyderabad (Vijayawada)
Reporting Relationships - Credit Head
Position Grade - Associate Vice President (M6)

Job Role

 Handling Team of Credit Managers and ownership of assigned portfolio of entire Tamil Nadu.
 Strong domain knowledge in Credit – SME / Mortgage /Working capital assessment and Term loans.
 Handling all types of working capital, Commodity Finance and Project / term loans.
 Credit appraisal and underwriting including financial analysis to understand solvency, liquidity position, repayment capacity of the entity, credit checks, etc.
 Assessing the credit risk basis geography, commodity, and security offered references and financials as well as facility structure.
 Proactively developing enterprise-wide risk management strategies and practices for various agri products
 Understanding on various operational, legal, market and segmental risk pertaining to agribusiness
 Delinquency management along with business.
 Works in a fast-paced office environment. Expected to travel to customer locations on short notice to conduct meeting.

Job Requirements:

 Chartered Accountant (preferably)/MBA with at least 10- 12 years of experience in Credit.
 Should be good at appraising financial statements of SME & Agri-proposals.
 Sound analytical skills and industry knowledge.
 Candidate who have handled Tamil Nadu or part of Tamil Nadu will be preferred.