Job highlights

- Experience in credit appraisal and underwriting of Agri Business Loans including Farm, Dairy, Poultry, Fisheries, and allied sectors
- Conduct detailed loan appraisals, analyze financials, perform risk assessments, coordinate with cross-functional teams, conduct field visits, and ensure compliance with regulatory guidelines
- Conduct detailed appraisal of Agri Business Loan proposals including Farm Loans, Agri SME Loans, Dairy, Poultry, Fisheries, Horticulture, Warehouse Receipt Financing, and Allied Agriculture activities.
- Analyze financial statements, bank statements, income assessment, cash flow, and repayment capacity of borrowers.
- Perform credit underwriting and risk assessment as per internal credit guidelines.
- Review property documents, collateral security, land records,



and valuation reports.
- Coordinate with Sales, Operations, Legal, Technical, and Collections teams for smooth loan processing.
- Conduct field visits and customer interactions for credit verification and due diligence.
- Prepare credit appraisal notes and present recommendations for approval.
- Monitor portfolio quality and identify early warning signals of stress accounts.
- Ensure compliance with RBI guidelines, internal policies, and regulatory requirements.
- Support audit, compliance, and portfolio review activities.
- Maintain TAT for proposal evaluations and approvals.

📌 Credit Manager (Hisar)
🏢 Kotak Mahindra Bank
📍 Hisar