The Credit Officer (ABG) will be responsible for managing the credit portfolio of the bank's Agricultural and Business Growth (ABG) segment. The role involves assessing and analyzing credit applications, conducting due diligence on clients, and ensuring compliance with internal and regulatory policies.

The Credit

Officer will work closely with various departments to facilitate smooth credit operations, provide insights for risk mitigation, and contribute to the overall growth of the bank's lending portfolio.

· Credit analyst responsibilities is processing of Agri loan proposals.

· Evaluating clients’ financial information and calculating risk ratios.

· Review of loan requests Assess clients’ financial status.

· Evaluate creditworthiness and risks.

· Contact clients to gather financial data and documentation.

· Analyze risks and approve or reject loan requests.

· Calculate financial ratios (e.g.,



credit scores and interest rates).

· Set up payment plans, Maintain updated records of loan applications.

· Follow up with clients about loan renewals, Monitor progress of existing loans.

· Compliance of Regulations, statutory & process adherence.

· Monitor the loan sanctioned by Branch/DO at CO level.

· Submission of MIS to claim the interest subsidy from RBI and other regulatory measures.

· Follow up and attend credit audit.

· Monitoring of Review / renewals of Agri advances.

· Maintaining renewal and sanction TAT.

· Develop and implement current changes according to the developments taking place in agriculture sector and overall, the business generation from all these.

📌 Credit Officer (ABG) (Karur)
🏢 Karur Vysya Bank
📍 Karur