Credit ManagerRetail Agri KG
HDFC Bank Ltd
Ludhiana
2d ago
source :

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 PDDs 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 Nonstarter and EMR is within Budget Vendor Management House Keeping Visit to Vendors 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 Vendors 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 coordination 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 SkillsBasic AptitudeUnderstand and Reading Financial StatementUnderstanding of Agricultural nuances are an added advantageInterpersonal SkillsGood Communication SkillsAbility to negotiate Qualifications Graduation PostGraduation Preferable in Agri MBA CA For large Ticket Underwriting Certification CCF from IIBF Optional

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