To support credit assessment and portfolio quality for the agriculture lending portfolio through evaluation of customer information, financial analysis and credit due diligence. The role provides recommendations based on risk assessment and ensures compliance with credit policies, regulatory requirements and lending guidelines.
Responsibilities- Appraise and recommend agriculture credit proposals in accordance with credit policies, lending guidelines, and delegated authority.
- Assess agricultural income, cropping patterns, farm cash flows, land holdings, and other agri-specific risk factors as part of credit evaluation.
- Conduct customer visits and Personal Discussions (PDs) to evaluate borrower profile, farming activities, repayment capacity, and business viability.
- Analyze customer information, financial data, cash flows, and credit parameters to support underwriting decisions.
- Monitor portfolio quality, delinquency trends, and NPA levels and highlight emerging risks.
- Review delinquent accounts and support portfolio reviews to strengthen risk management practices.
- Identify process, policy, and credit risk gaps and recommend appropriate corrective measures.
- Ensure compliance with credit policies, regulatory requirements, and internal control standards.
Experience Range : 7 to 15 Years
Qualifications :
Graduate (Any Specialisation)
CA/ MBA
Skills Required
- 7 to 15 years of relevant experience
- Graduate degree in any specialization
- Chartered Accountant or Master of Business Administration qualification
What We Do
CSB is a full service bank established in 1920 and headquartered in Thrissur, Kerala. CSB has over 703 branches covering not just the district headquarters and large towns but also semi-urban and rural centers. Thanks to its unique origin and history, CSB is considered a household banking brand in Kerala. CSB offers Retail, Wholesale and SME Banking services through its footprint of over 703 branches across the country serving over 2 million customers.
