We are seeking a detail-oriented and analytical Credit Manager to evaluate and
underwrite credit proposals in the Agri-Fin Projects segment. The role involves
assessing financials, conducting market visits, and ensuring timely and
compliant credit processing. The ideal candidate should have robust financial
analysis skills, experience in credit underwriting, and a proactive approach to
risk management.

RESPONSIBILITIES

Provide sound, independent, and unsolicited credit advice and recommendations on
Agri SME credit proposals. Handle all types of working capital requirements
(fund-based and non-fund-based), commodity finance, and project loans for Agri
SME enterprises. Conduct thorough credit appraisals, including financial
analysis to assess solvency, liquidity, and repayment capacity of entities.
Prepare detailed appraisal notes and perform credit checks. Present proposals to
various sanctioning forums as per approval authorizations, ensuring all queries




from the approving authority are satisfactorily addressed. Conduct customer
meetings and site visits at factories, offices, and residences to assess
business operations, inventory, and working environment. Interact regularly with
the approving authority, providing necessary information to support informed
decision-making and sharing independent views on credit and economic
developments. Monitor and manage the local credit portfolio proactively,
identifying and mitigating risks through in-depth knowledge of individual
credit-takers. Engage with business teams to revise account strategies or credit
ratings as needed. Ensure timely renewal of accounts and manage portfolio
enhancements efficiently. Align decision-making with business requirements while
maintaining the quality of decisions and adhering to laid-down policies through
regular discussions with business teams.

📌 Credit Manager-AGRI-FIN-PROJECTS (Rajkot)
🏢 Kotak
📍 Rajkot