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