Job Description

#

LOAN-OFFICER-AB

Multiple locations








Department
SOUTH BUSINESS
Job posted on
Jan 09, 2026
Employee Type
Permanent
Experience range (Years)
1 year - 3 years

ITION DESCRIPTION

JOB TITLE

Loan Officer-Agriculture Banking

GRADE

DM-II

DEPARTMENT

Agriculture Banking

LOCATION

Branch

SUB-DEPARTMENT

TYPE OF POSITION

Full Time

REPORTS TO

Area Manager-Agriculture Banking

REPORTING INTO

NAROLE PURPOSE & OBJECTIVE Loan Officer- Secured LOANS + Managing secured loans of assigned URC/SFB branch
+ Planning and organizing micro marketing activities for leads and business
+ Looking for Early Warning Signals and informing the same to corporate team for timely corrective action in asset business
SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZECustomer Base - 70 Customers Approximately Portfolio size - approx. 5 Crs Customer relationship building Collections Lead generation Marketing activities KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business:

Managing Asset Products- managing Kisan Credit Card, Agri Enterprise Loans, other secured loans Knowledge on process and products- mortgage processes of the state in Kisan Credit Card, other product Cross-sell of liability products and third-party products Formation of Farmers' Clubs one per branch/leveraging existing clubs, making use of the same for bank's business Work with team in harnessing the potential of the area and achieving the set targets

Customer:

Ensure that issues/ complaints raised by the customer are resolved within agreed TAT, work with Service Quality for improving customer service on an ongoing basis Developing and maintaining rapport with key person's / opinion makers of the village Work closely with Credit and Ops to ensure timely sanctions and DB Customer

Internal process:

Completing mortgages on time/collection of Post disbursement documents Ensuring the collection efficiency and containing PAR and IOD within threshold levels

Learning & performance:Keep self-updated on the latest product, process and regulatory guidelines. Ensure completion of all nominated trainings for self. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational
QualificationsGraduate, preferably in Agri/Allied Sciences, Post-graduation/ PGDBA/ MBA in Rural Management will be an added advantage

Experience (Years and Core Experience Type)Minimum 1-2 years of experience covering assets (agri and allied activity loans) and cross-sell in rural areas in a bank/ rural business focused input company

CertificationsNA

Functional SkillsRich knowledge of rural markets, marketing activities and products suitable for rural / semi-urban markets (Rural urban corridors), team management, stake holder coordination and focus on P&L of overall business, fee income Should have managed a larger team/ geography.

Behavioral SkillsPositive approach towards rural customers, rapport with Govt. Agencies, go getter, pro-active, motivating in bringing the best of team, mentor in setting examples, good trainer.

Competencies* NA