Relationship Manager-Secured Agri Lending

DEPARTMENT

Rural Banking

1. ROLE PURPOSE & OBJECTIVE

2. Driving Agriculture Lending business in their respective Branches. Is responsible for meeting agriculture lending goals, quality portfolio and cross sell of all banking products.

3. SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Shall be expected to manage a portfolio of Rs. 15 Cr.

• Responsible for collections and portfolio quality

• Managing agriculture business and portfolio across the branches of operations

• Managing a team size of 5 employees progressively
• Managing assets like marketing collaterals, Stationary, Dockets and Systems

• Managing hiring and placement of Relationship Officers in required Branches, in future.

• KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

• Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for the area and branches under his/her responsibility to provide guidance and solutions to all stake holders as required.
• Supports reportees- in his/her area in their duties of client visits, risk assessment and recovery strategies
• Supports Loan Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies
• Should be ready to travel extensively across the branches of control for business requirements

Customer (Both Internal & External)

• Ensure that customers are aware of the Product and services properly
• Ensure that customers are explained about the Terms & Conditions of Product
• Focus on lower TAT as per laid down standards.

Internal Process

• Ensure right documentation and adherence to laid down process of the Bank
• Monitor health of portfolio
• Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations.
• Ensure, supervise the correct implementation of the credit procedures including all the respective tools

Innovation & Learning

• Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees
• Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement
• Expected to be updated with all new improvement & innovations happening in the market and competitors
• Should be updated with the latest trends in agriculture, civic and local laws of the territory of operation

• Understanding market trends and competition and timely updation to supervisors

• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduate in Commerce, Agri or relevant subjects
• An M Sc Agri, MBA or equivalent is an added advantage

Experience (Years and Core Experience Type)

• 2 years in sales and documentation of loans of which at least 1 years in Agriculture Loans in an NBFC/ Bank. Mixed experience of Sales & Credit is acceptable, but should be predominantly in sales

Certifications

• Relevant certifications shall be an added advantage

Functional Skills

• Ability to sell source and sell agri loans, drive sales performance. Will be required to take complete ownership of Agriculture Lending at Branch level.
• Ability to engage with internal stake holders, customers and to ensure customer service and meet Banks goals.
• Marketing and Sales promotion for Agriculture Lending
• Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, clear and purposeful language.
• Adequate Computer knowledge

Behavioral Skills

• Sound Product knowledge
• Should possess collaboration skills
• Willingness to travel & relocation as per business requirements and career opportunities
• Managing customer relations
• Performance orientation

Competencies

• Good Computer Knowledge

• Competent to handle MIS systems and Lending Software

• KEY INTERACTIONS

INTERNAL

EXTERNAL

• Product and Marketing Team
• Regional Operations, Credit
• Audit, Vigilance and FCU team

• Area Technical Manager

• Legal Vendors

• External marketing agencies
• Competitor Counterparts
• Local Govt Authorities