Officer Credit Agri Loans

Talent Leads Consultants
  • Mumbai
  • 2-3 lakh
  • 1-6 years
  • Views
  • 05 Jul 2017

  • Operations

  • Financial Services/ Capital Markets
Job Description

Experience in Credit Risk Management of Banks/NBFC Loan Company/Asset Finance Company is must
Well-versed with analysis of financials of MSE entities/Agri project financing in an environment where
information opacity is very high
Ability to relate/co-relate information, findings during undertaking credit analysis
Familiar with early warning signals from credit risk perspectives and usage of relevant tools to
identify/categorize customers for better & close monitoring based on the warning signals
Familiar with various credit analysis & risk management tools
H. Broad role requirement
Underwriting of Micro & Small Enterprise (MSE) loan, agri project financing, Business Loan and Retail Loan
products under Priority sector while analyzing overall risk & exposures of customers, risk assessment, internal
/ external rating, mitigants etc.
Assist in formulating & implementing Risk Control & Credit Management processes/strategies
Manage processing and disbursement of loans for the allocated portfolio
Act as internal Process Auditor and reviewer for MSE/project advances
Manage allocated NPA and Overdue portfolios
Manage and monitor post sanction process of the allocated loan portfolio including documentation, ROC
creation, Mortgage execution, legal vetting of documents and disbursements etc.
At post approval stage checking of property documents, Legal & Valuation report
Monthly/periodical monitoring and reporting of the overdue positions, recovery, utilization of limits, AML
alerts etc.
Assist in mapping business requirements & coordinating in developing & implementing processes in line with
the present guidelines, lead and/or assist selected process initiatives
Monitoring the overall functioning of processes pertaining to allocated portfolio, identifying improvement
areas & implementing adequate measures to minimize credit risks
MIS updating and sharing on daily basis for the entire underwriting team for all products
Coordination with sales team of various region to resolve discrepancy
Custodian of documents Interface with RBI, internal auditors and MIS preparation for all loan proposals
getting generated
Make necessary recording and monitor collateral maintenance

Competencies/Skill sets for this job

Mis Credit Risk Management Creditanalysis

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