Job description

Role & responsibilities:

Financial

- Excellent in accessing documentation & financials of Agri-Banking proposals. Close monitoring log in files from day beginning
- Own portfolio analysis, escalate to higher authority & also responsible for taking precaution step if there is any critical observation in portfolio behavior
- Maintain TAT as per the norms
- Recommending proposal to higher authority with merits, demerits & risk involvement after personal visit, getting case sanctioned and disbursed within prescribed turn-around time
- Preparation of CAM
- Maintaining Delinquency level at minimal level.

Non-Financial

- Excellent Financial Analytical Skills (financials & Ratios)
- Evolve underwriting norms customized to the local market needs and update the U/W bulletins
- Communicate with operation to resolve disbursal issue.
- Work closely with the S & D team & support on offering creative product offerings




- Knowledge of legal and technical
- Vendor Management, Collaboration among various department
- Travelling for PD's as per requirement.

Compliance & Risk Responsibilities

- Industry analyses, Knowledge of applicable laws-income Tax, Company Act etc.
- Review and monitoring of Early warning accounts
- Support in Internal and external Audit
- PDD Management
- Audit query Resolution
- ESCROW Receivables management (Only for CF)
- NOC Management, Subsequent Disbursement, Project Monitoring (Only for CF)
- Maintaining confidentiality of information gathered from clients.

Maintains confidentiality of company's information - not to share with anybody out of office in any form (Verbal, written, mail or any other form)

📌 Credit Manager - Working Capital (Karnal)
🏢 AU Small Finance Bank
📍 Karnal