External-LO-Agri Banking Professional

ROLEPURPOSE & OBJECTIVE

• LoanOfficer- Secured LOANS

  1. Managingsecured loans of assigned URC/SFB branch

  2. Planningand organizing micro marketing activities for leads and business

  3. Lookingfor Early Warning Signals and informing the same to corporateteam for timely corrective action in asset business

SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

• CustomerBase 70 Customers Approximately

• Portfoliosize approx. 5 Crs

• Customerrelationship building

• Collections

• Leadgeneration

• Marketingactivities

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Business:

• ManagingAsset Products- managing Kisan Credit Card, Agri EnterpriseLoans, other secured loans

• Knowledgeon process and products- mortgage processes of the state in KisanCredit Card, other product

• Cross-sellof liability products and third-party products

• Formationof Farmers Clubs one per branch/leveraging existing clubs,making use of the same for banks business

• Workwith team in harnessing the potential of the area and achievingthe set targets

Customer:

• Ensurethat issues/ complaints raised by the customer are resolvedwithin agreed TAT, work with Service Quality for improvingcustomer service on an ongoing basis

• Developingand maintaining rapport with key persons / opinion makers ofthe village

• Workclosely with Credit and Ops to ensure timely sanctions and DBCustomer

Internalprocess:

• Completingmortgages on time/collection of Post disbursement documents

• Ensuringthe collection efficiency and containing PAR and IOD withinthreshold levels

Learning& performance:

• Keepself-updated on the latest product, process and regulatoryguidelines.

• Ensurecompletion of all nominated trainings for self.

Qualifications

• Graduate,preferably in Agri/Allied Sciences, Post-graduation/ PGDBA/ MBAin Rural Management will be an added advantage

Experience(Years and Core Experience Type)

• Minimum1-2 years of experience covering assets (agri and allied activityloans) and cross-sell in rural areas in a bank/ rural businessfocused input company

FunctionalSkills

• Richknowledge of rural markets, marketing activities and productssuitable for rural / semi-urban markets (Rural urban corridors),team management, stake holder coordination and focus on P&Lof overall business, fee income Should have managed a largerteam/ geography.

BehavioralSkills

• Positiveapproach towards rural customers, rapport with Govt. Agencies, gogetter, pro-active, motivating in bringing the best of team,mentor in setting examples, good trainer.