External-Loan Officer-Secured Loans

Job description

LoanOfficer- Secured LOANS GRADE DM-II DEPARTMENT RuralBanking LOCATION Branch TYPEOF POSITION FullTime REPORTSTO AreaManager Secured Loans 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 - 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 FarmersClubs 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 makersof the 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 **Learningperformance:** - Keepself-updated on the latest product, process and regulatoryguidelines. - Ensurecompletion of all nominated trainings for self. MINIMUMREQUIREMENTS OF KNOWLEDGE SKILLS Educational Qualifications - Graduate,preferably in Agri/Allied Sciences, Post-graduation/ PGDBA/ MBAin Rural Management will be an added advantage Experience(Yearsand 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 companies Certifications - NA 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 PLof 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. **Location -** Kaithal,Bulandshahr,Baghpat,Meerut