Credit Officer-CAD- Agriculture Banking

ROLEPURPOSE & OBJECTIVECADofficer responsible for conducting quality check of filessubmitted for disbursement and shall ensure the files meets allthe criteria to get disbursement. Ensurethorough verification and quality check of executed loan documentsonce submitted from Sales and dispatch them for disbursement atminimal TAT. Ensures theterms and conditions stipulated in the sanction letter arecompiled before initiating disbursementSIZEOF THE ROLEFINANCIALSIZENON-FINANCIALSIZETomanage approx. 50 crore of disbursement under secured asset bookof Rural BankingTomanage files from 40-50 branches of a region and co-ordinate withnearly 15-20 credit officersKEYDUTIES & RESPONSIBILITIES OF THE ROLEBusinessPostDisbursement Quality check of all the Kisan Pragati Card, KisanSuvidha Loan and any other new products getting launched underRural bankingEnsuretimely processing and recommendation to Operations for loanbookingEnsuresthe terms and conditions stipulated in the sanction letter arecomplied before initiating disbursementDispatchof files to the Operations Hub for loan accountcreation/disbursement, handling of queries raised by operationsand resolving them through co-ordination with branchEnsureall the documents as per the product guidelines areobtained/arranged in the files before initiating account openingprocessBackendCIBIL or Equifax/High Mark Bureau report generation on therequest of Field TeamEnsureQuality approvals and error free processing of forms (FIFO basis)in line with regular business requirement.Mustensure the underwriting quality on a comprehensive approach byescalating where ever breach of guidelines of respective productExtendbackup and support for PD in absence of credit officer fieldImpartingtraining to the Distribution team of Rural banking/microfinanceon the KPC, Agri composite loans, and other assigned products onthe proposal flow in QC and common errors observed during QCConductLoan Utilization Checks for the recent disbursement cases as perpolicy.Ensureto participate and drive the successful implementation oftechnology based projects at backend and fieldResponsiblefor handling the vendor bills viz., advocate bills, technicalvaluers bills etc.Engagein collections for recovery, follow up for Incremental overduesand non-startersTohandle tranche disbursements/ sub limit disbursements as persanction terms and conditionsResponsiblefor collection and tracking of AODs from branches and updating itin system through Operations teamCustomerEnsurescustomer satisfaction by processing of loan applications withinthe TAT definedBranchvisits and monitor policy and process implementation on field.SampleField visits for end use verification of funds for the disbursedaccountsQueriesraised or Technical errors raised by Branches/field staff/otherdepartments (Distribution/SQ/Audit/IT) are resolved in a timelymannerUndertakevisits in other financial institutions for timely resolution ofissues relating customer or staffs of other institutionEngagewith customer for any feedback on the products, policy andprocessAddresscustomer requests such as NDC on account of loan closure, anyother requests related to property documents, crop insurancedeclaration letters etc.InternalprocessRobustQC at backend-Checking the availability of all the documents asper the Kisan Pragati Card/ KSL checklist both in terms ofpre-sanction and post sanction documentsSharecritical findings & instances of policy/process violationidentified with supervisorEnsurecompleteness of post disbursement documents, follow up for ifgaps anyEnsurethat the Issue/ deviations / policy/ process violation areescalated appropriately to the concerned department andsupervisors for implementation of penalty matrix.Attendaudit closure meetings to understand identified issues & takenecessary corrective measures.Tofallow up and collect the pending post disbursement documentsthrough a trackerTomaintain MIS on Crop Insurance data, tracker on backend creditperformance with respect to in TAT and out TAT etc.Tomaintain MIS on the vendor bill (Legal & technical) processedmonth on month and resolving the issues/escalations pertaining tothe sameHandholdingand Assistance to Credit Officers in controlling their Errorrates. Error Reports for all such Credit Officers should beshared with them and concerned managers every month.Responsiblefor instructing and execution of any sanction terms such asnetting off/ account transfer/ DD issuance to the vendor etc.Shouldinteract and establish co-ordination with all the stake holdersfor smooth functioning of businessTomanage back end process related to security updation in LMS andLOS, periodical revaluation of the properties as per bankscollateral management policyTomanage and support collections by coordinating for issuance ofvarious notices and to provide the update on legal actionsinitiated on default customers.Toensure AOD is being obtained for all the customers as per definedtimelines.Learning& PerformanceMaintainup to date knowledge of all the products and the geographyTimelycompletion of E-Learning module in Swayam, handy train, HelloEnglish etc.Upgradeself and branch team about changes happening in the marketNewproducts being introduced and new systems being adopted to belearnt quickly and to be adopted.Keepupdated with SLBC / DLC meetings & annual reports forinformation on investment on different types of crops for KCC /Agri limits. Keep abreast with ongoing farming operations in thefield & market.Networkingwith other NBFCs / Banks to have a deeper understanding of theIndustry and its perspectivesClearAnnual Certification Test and Test Score of internal assignmentsEnsurenecessary feedback is given to supervisors on regular basis aboutthe credit policies, processes and systems for effective andefficient underwritingImprovethe probing skills to identify any issues in the field and reportcritical findings / observations for necessary action.Workin close co-ordination with team members, participate indiscussion to improve back-end processes and activitiesPunctuality,Maintaining Discipline at work, Flexibility in work &decision making ability in approvals at backend.MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLSEducationalQualificationsGraduationor Post Graduation Preferably in Agriculture, Agri BusinessManagement, Rural Management etc.Experience (Yearsand Core Experience Type)2-4years of experience preferably in Agri Operations or Credit orsales of any financial productsCertificationsNAFunctional SkillsKnowledgeof documentation and legality aspects of unsecured and securedloansBusinessanalysis skills and document verification skillsProficientin reading / understanding financial statementsKYCnorms/guidelines for high ticket size loansBasicknowledge of security documents and process for - hypothecationand mortgage of propertyBehavioral SkillsCommunicationskills - fluent in the local language and basic EnglishTimeManagement - Ability to prioritize the work based on theimportance / urgencyFlexibleenough to support the business needsCustomerrelations managementPerformanceoriented approach with high productivityCompetenciesStrongAnalytical and Interpretation skill. Good interrogationand investigation skillsGooddecision making and judgement abilityHighdegree of accuracy and attention to detailStrongInterpersonal skills & ability to manage relationships withinternal & external stakeholdersKEY INTERACTIONSINTERNALEXTERNALRegional Business Manager, Area Manager, Loan Officers-Secured, Area Managers, Credit Officers & theirsupervisors, RBMs and Branch ManagerVigilance Officer and AuditorsOperationsteamCustomersand community,Vendors,Legal & technical agenciesCompetitors Staff of other MFI/SFB or banksGovernmentcharge registration portals/offices etc.