Credit Manager-Rural Credit-Business Banking Underwriting

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What you'll do

• Credit appraisal of loan applications within defined guidelines and decision-making or recommending for approval to higher authorities.
• Provide clear opinions and highlight critical risks with suitable mitigants regarding proposed transactions, covering business model, industry risk, structure, bank conduct, and financial risk.
• Ensure awareness of the proposed product and its suitability to client requirements.
• Conduct personal discussions with customers to establish creditworthiness.
• Timely renewal of credit facilities and management of deferrals.
• Early warning signal (EWS) management and customer visits for key and high-value relationships.
• Maintain defined credit and end-to-end turnaround times (TATs) to ensure timely service to internal and external customers.
• Coordinate with counterparts in Business, Operations, Legal, Technical, and other relevant departments.
• Ensure timely submission of all credit-related MIS reports.
• Maintain area knowledge to support credit decisions.

Who can apply

• Role/Job Title: Credit Manager-Rural Credit-Business Banking Underwriting
• Function/Department: Retail Banking

About IDFC First Bank

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