Relationship Manager-Secured Agri Lending

Job description

Job Description 1. POSITIONDESCRIPTION JOBTITLE RelationshipManager-Secured Agri Lending GRADE M DEPARTMENT RuralBanking LOCATION BRANCH SUB-DEPARTMENT RuralBanking TYPEOF POSITION Full-time REPORTSTO ClusterManager REPORTINGINTO NA 1. ROLEPURPOSE OBJECTIVE • DrivingAgriculture Lending business in their respective Branches. Isresponsible for meeting agriculture lending goals, qualityportfolio and cross sell of all banking products. 1. SIZEOF THE ROLE FINANCIALSIZE NON-FINANCIALSIZE • Shallbe expected to manage a portfolio of Rs. 15 Cr. • Responsiblefor collections and portfolio quality • Managingagriculture business and portfolio across the branches ofoperations • Managinga team size of 5 employees progressively • Managingassets like marketing collaterals, Stationary, Dockets andSystems • Managinghiring and placement of Relationship Officers in requiredBranches, in future. 1. KEYDUTIES RESPONSIBILITIES OF THE ROLE Business/Financials • Daily/Weekly /Monthly monitoring of the accomplishment of targetsaccording to the annual/monthly targets established for the areaand branches under his/her responsibility to provide guidance andsolutions to all stake holders as required. • Supportsreportees- in his/her area in their duties of client visits, riskassessment and recovery strategies • SupportsLoan Officers- in his/her area in their duties of client visits,risk assessment and recovery strategies • Shouldbe ready to travel extensively across the branches of control forbusiness requirements Customer(Both Internal External) • Ensurethat customers are aware of the Product and services properly • Ensurethat customers are explained about the Terms Conditions ofProduct • Focuson lower TAT as per laid down standards. InternalProcess • Ensureright documentation and adherence to laid down process of theBank • Monitorhealth of portfolio • Ensurecompliance with lending guidelines, quality framework and auditrequirements; ensure speedy resolution of any audit observationsand take necessary steps to prevent recurrence audit and otherregulations. • Ensure,supervise the correct implementation of the credit proceduresincluding all the respective tools InnovationLearning • Ensuregoal-setting, mid-year review and annual appraisal process withinspecified timelines for self and reportees • Evaluatethe staff competences in terms of promotion, business assessmentand credit risk assessment capacity and propose solutions forimprovement • Expectedto be updated with all new improvement innovationshappening in the market and competitors • Shouldbe updated with the latest trends in agriculture, civic and locallaws of the territory of operation • Understandingmarket trends and competition and timely updation to supervisors 1. MINIMUMREQUIREMENTS OF KNOWLEDGE SKILLS Educational Qualifications • Graduatein Commerce, Agri or relevant subjects • AnM Sc Agri, MBA or equivalent is an added advantage Experience(Years and Core Experience Type) • 2years in sales and documentation of loans of which at least 1years in Agriculture Loans in an NBFC/ Bank. Mixed experience ofSales Credit is acceptable, but should be predominantly insales Certifications • Relevantcertifications shall be an added advantage FunctionalSkills • Abilityto sell source and sell agri loans, drive sales performance. Willbe required to take complete ownership of Agriculture Lending atBranch level. • Abilityto engage with internal stake holders, customers and to ensurecustomer service and meet Banks goals. • Marketingand Sales promotion for Agriculture Lending • Abilityto speak and read regional language(s)- is desirable. Ability tocommunicate in English (Read-speak-write) is required. Has goodverbal fluency and uses simple, clear and purposeful language. • AdequateComputer knowledge BehavioralSkills • SoundProduct knowledge • Shouldpossess collaboration skills • Willingnessto travel relocation as per business requirements andcareer opportunities • Managingcustomer relations • Performanceorientation Competencies • GoodComputer Knowledge • Competentto handle MIS systems and Lending Software 1. KEYINTERACTIONS INTERNAL EXTERNAL • Productand Marketing Team • RegionalOperations, Credit • Audit,Vigilance and FCU team • AreaTechnical Manager • LegalVendors • Externalmarketing agencies • CompetitorCounterparts • LocalGovt Authorities PREPAREDBY DATE REVIEWEDBY - TM Team DATE04-01-2024 LASTUPDATED BY - TM Team DATE13-03-2024