Officer

2 months ago


India Ujjivan Small Finance Bank Full time

**Officer-Credit Agriculture Banking-Tamil Nadu & Karnataka**:
Multiple locations
- Department- SOUTH AGRICULTURE BANKING- Job posted on- Oct 14, 2024- Employee Type- Permanent- Experience range (Years)- 2 years - 4 years- POSITION DESCRIPTION

JOB TITLE

Officer-Credit Agri Lending

GRADE

DM-II

DEPARTMENT

Credit

LOCATION

Multiple locations

SUB-DEPARTMENT

Agri Lending

TYPE OF POSITION

Full time

REPORTS TO

Cluster Credit Manager-Agri Lending

REPORTING INTO

NA
- ROLE PURPOSE & OBJECTIVE
- SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE
- 10-15 Crores of asset portfolio to be managed with a span of minimum 3 loan officers per credit officer
- Atleast 10 vendors / consultants including all fintech partners, technical vendors and BCs associated/ to be associated with Rural banking
- KEY DUTIES & RESPONSIBILITIES OF THE ROLE

**Business**
- Underwrite Kisan Prgati Card, Kisan Suvidha Loans and any other new products rolled out under Rural Banking in the field through thorough assessment and personal discussion with borrower and / or co-borrower
- Sanction or recommend secured loans with proper justification as per product features, credit policy and based on approval rights
- Conduct farm lands, business place, office, and residence verification of the applicants based on the product and purpose of the loan
- Assess repayment capacity, character and cash flow of the applicant.
- Conduct reference checks with customers /suppliers / vendors / dealers.
- Ensure collection of relevant and proper documents. Ensure adherence to internal and regulatory policies / compliances like KYC etc.
- Understand the nature of collateral security, ensure the collateral offered is free from all the encumbrances, having clear title and marketability, the charge creation of the bank on the property should be exclusive first charge.
- Obtain Legal opinion and valuation reports on the collateral offered as security, should clearly advise type of mortgage to be created on the security in the sanction
- Decision whether to approve or reject the files appraised by the sales / distribution team through thorough verification of the documents and assessment by the appraiser of the loan.
- Capture proper reasons of rejections and communicate the same to branch team in case of rejections
- Escalate deviations for necessary approval as per the deviation matrix. Observe for triggers in documents and escalate documents with issues to FCU team.
- Responsible for portfolio quality of the loans underwritten
- Review/renew the accounts before expiry of the limit through coordinating with Distribution team
- Report/ Escalate critical issues at field for necessary action as per penalty matrix and ensure compliance of Audit issues.
- Conduct Loan Utilization Checks for the recent disbursement cases as per policy.
- Ensure to participate and drive the successful implementation of technology based projects at backend and field
- Engage in collections for recovery, follow up for Incremental overdues and non-starters
- Ensures success and growth of these products by adhering to defined policy and process for loan approval

**Customer**
- Understand customers’ need & repayment capacity & make appropriate loan decisions and recommend right product and loan amount to right customer
- Co-ordinate with Legal and technical vendors for quick response on the property documents
- Coordinate with FCU team or agency for their reports
- Ensure customers documents are kept safe till they are handed over to concerned authority
- Coordinate with Operations for loan booking, safe keeping of the customer document etc.
- Undertake visits in other financial institutions for timely resolution of issues relating customer or staffs of other institution
- Engage with customer for any feedback on the products, policy and process

**Internal process**
- Ensure credit policies and processes are followed effectively by sourcing staffs
- Ensure adherence to all regulatory norms with respect to KYC & Documentation, Customer Selection and Sanctioning of loans
- Ensure legal opinions are clearly understood and necessary action taken based on the legal opinion
- Ensure completeness of post disbursement documents, follow up for if gaps any
- Review branch working areas, negative areas, no-go areas and negative customer list
- Ensure that the Issue/ deviations / policy/ process violation are escalated appropriately to the concerned department and supervisors for implementation of penalty matrix.
- Attend audit closure meetings to understand identified issues & take necessary corrective measures.
- Maintain and update activity trackers - Personal discussions, Quality check of files shadow visits, sample checks, trainings, LUCs, escalations, deviations, branch errors
- To do quality check of documents that are executed post sanction and then recommend for sanction.

**Learning & Performance**
- Maintain up to date knowledge of all the products and the geography
- Keep updat


  • Officer

    7 months ago


    India Relaxo Footwears Full time

    Position Title: Officer Assembly- Department: - Production- Work Location: - Bhiwadi- Grade: - O1_ - Travel Required: - 10%- Reporting to: - Administrative: - Manager - Production- Reported by: - Workers- Functional: - Manager Production- Minimum Job Requirements- Educational Qualification: - Graduation/Diploma in footwear technology/FDDI- Experience: - 3 to...

  • Officer

    2 weeks ago


    India Ujjivan Small Finance Bank Full time

    **Officer-Asset Operations**: Multiple locations - Department - WEST ASSET OPERATIONS - Job posted on - Dec 13, 2024 - Employment type - Permanent Officer-Asset Operations - Job Description Business/ Financials - Business Financials Process loan within the agreed SLA Publish daily MIS to support Business Customer Ensure the branch grievances are addressed...

  • Officer

    3 months ago


    India Ujjivan Small Finance Bank Full time

    **Officer-Credit Agriculture Banking-Karanataka**: Multiple locations - Department- SOUTH AGRICULTURE BANKING- Job posted on- Oct 10, 2024- Employee Type- Permanent- Experience range (Years)- 2 years - 4 years- POSITION DESCRIPTION JOB TITLE Officer-Credit Agri Lending GRADE DM-II DEPARTMENT Credit LOCATION Multiple locations SUB-DEPARTMENT Agri...

  • Front Office

    7 months ago


    India PI Industries Ltd. Full time

    **Position Description**: **Business Division**: Corporate Office **Department**: Admin. **Location**: Gurgaon **Position Title**: Front Office Manager **Level**: **Upto Sr. Executive** **Reporting to (Title)**: Lead - Administration **Position Purpose**: - The position is responsible for managing the Front Office Operations including - handling...

  • Operation Officer

    6 months ago


    India Devise Software Systems Full time

    Are you ready to embark on a journey of innovation and growth? At Devise Software Solutions Pvt. Ltd., we believe in building a team of passionate individuals who are committed to pushing the boundaries of technology. **5. Operation Officer**: **Position**: Jr. Officer **Requirements**: - Minimum 3 years of experience in Operations and Administration -...

  • Office Admin

    7 months ago


    India Nohitatu Full time

    **REQUIREMENTS / RESPONSIBILITIES**- Coordinate and execute the assignment entrusted by the top management - Maintenance of Properties and liaise with vendors for completion of work. - Purchase of office consumables and place orders when necessary - Coordinate with vendors for periodic maintenance of hardware devices, air conditioners,carpending works etc in...

  • Assistant Officer

    6 months ago


    India Relaxo Footwears Full time

    **Position Title: Assistant Officer-Stitching** **Department**: - Production**Work Location**: - HARIDWAR**Grade**: - S4**Travel Required**: - NA**Reporting to**: **Administrative**: - Officer - Stitching**Reported by**: - Officer - Stitching**Functional**: - Officer - Stitching**Minimum Job Requirements** **Educational Qualification**: - Diploma /...

  • Deck Officer

    2 months ago


    India RINA Full time

    **Posting Date**:17 Oct 2024**City**: **Location**:India**Contract Type**:Freelance**Division**: **Level of experience**: - Job Title: Deck Officer**For offshore installation work, RINA is looking for Deck Officer with the following requirement**: - **Educational Qualification & Experience** - i. Certificate of Competency as minimum **Second Mate (Foreign...

  • Assistant Officer

    6 months ago


    India Relaxo Footwears Full time

    Position Title: Assistant Officer - Assembly- Department: - Production- Work Location: - Haridwar- Grade: - S4- Travel Required: - 10%- Reporting to: - Administrative: - Officer Production- Reported by: - Workers- Functional: - Officer Production- Minimum Job Requirements- Educational Qualification: - Graduation/Diploma in footwear technology/FDDI-...

  • Officer

    6 months ago


    India Relaxo Footwears Full time

    Position Title: Officer-Knitting- Department: - Manufacturing- Work Location: - Bahadurgarh- Grade: - O1- Travel Required: - 10%- Reporting to: - Administrative: - Manager/ Sr. Manager- Reported by: - None- Functional: - Manager/ Sr. Manager- Minimum Job Requirements- Educational Qualification: - Graduation and Diploma in Footwear Designing,- Experience: -...

  • Office administrator

    2 weeks ago


    India NeoITO Full time

    Our client company is seeking an Administrative Assistant, and the ideal candidate will be in charge of the organization and efficiency of daily office operations. From scheduling client meetings, to communicating between departments, you will be responsible for completing multi-level tasks in a professional and timely manner. Responsibilities and Duties ...

  • Office Associate

    1 month ago


    india Tata Consultancy Services Full time

    Role :: Office 365 SME/AdminstratorEXperience:: 6 to 8Location:: BangaloreJob Description::Managing complete Microsoft 365 EnvironmentSupport Microsoft 365 services including Exchange Online, SharePoint Online, Teams, OneDrive, Office Suite, M365 Security, Exchange Hybrid Server.A strong understanding of these products is a must.Develop and document best...


  • India HR - Akal Academies Full time

    Company Description Akal Academies aims to establish permanent peace in the world through value-based education and spiritual rejuvenation, creating good global citizens. The organization is located in Rajgarh. Role Description This is a full-time on-site role as an Administrative Officer at Akal Academy Baru Sahib near Rajgarh. The Administrative...

  • Officer

    6 months ago


    India Relaxo Footwears Full time

    **Position Title: Officer: CSR** **Department**: - CSR_ **Work Location**: - Haridwar_ **Grade**: - O1_ **Travel Required**: - 50%**Reporting to**: **Administrative**: - Manager - CSR**Reported by**: - Workmen_ **Functional**: - Manager-CSR**Minimum Job Requirements** **Educational Qualification**: **Experience**: - 2-4 years of progressive...

  • Founder's Office

    2 weeks ago


    India Trupeer.ai Full time

    At Trupeer.ai, we empower individuals & teams to create high-quality product videos and documentation effortlessly. Like Claude and Cursor for software development and Canva for design, Trupeer enables anyone—regardless of expertise—to craft stunning, professional content. In a couple of months of launch, our platform is used by thousands of companies...

  • Veterinary Officer

    1 month ago


    india Jobbo.in Full time

    Dear Candidates,Greetings from Infinity Career Connect!We are hiring Veterinary Officer for one of the reputed organization for their unit in Bihar location.Location: Ratnagiri, MaharashtraExperience: Fresher to 5 yearsJob Responsibilities: Overall Monitoring Responsibility of District. Representing JK Trust at District level. Close monitoring of...

  • Purchase Officer

    8 months ago


    India SunPro Group Full time

    **Job Overview**: We are seeking a Purchasing Officer for Purchase Department. As a Purchasing Officer, your duties and responsibilities include buying products, raw materials or services that are needed to maintain the smooth functioning of our operations. You should look for the best quality products at an affordable price. You should be aware of the...

  • Officer-mis

    7 months ago


    India Relaxo Footwears Full time

    **Position Title: Assistant Officer/Officer MIS** **Department**: **Contract Manufacturing** **Work Location**: **Retail Office ,Delhi** **Grade**: **Officer** **Travel Required**: **NO** **Reporting to**: **Administrative**: **GM - Contract Manufacturing** **Reported by**: **NO** **Functional**: **GM - Contract Manufacturing** **Minimum Job...

  • Officer

    2 days ago


    India Ujjivan Small Finance Bank Full time

    **Officer-Credit Micro Banking-Tamil Nadu**: Multiple locations - department - SOUTH CREDIT MICROBANKING & RURAL BANKING - Job posted on - Dec 24, 2024 - emp_type - Permanent - Experience range (Years) - 2 years - 4 years- POSITION DESCRIPTION - JOB TITLE - Officer - Credit Micro Banking - GRADE - DM-II - DEPARTMENT - Credit - LOCATION - HO -...

  • Safety Officer

    3 weeks ago


    India Innovsource Full time

    Role DescriptionThis is a full-time remote role for a Safety Officer. The Safety Officer will be responsible for health & safety measures, occupational health standards, accident investigations, security protocols, and safety training on a day-to-day basis.QualificationsHealth & Safety and Occupational Health skillsAccident Investigation expertiseSecurity...