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LOAN-OFFICER-AB
Multiple locations
Department
SOUTH BUSINESS
Job posted on
Jan 09, 2026
Employment type
Permanent
- 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
NA
ROLE 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 SIZE
Customer 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
Qualifications
Graduate, 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
Certifications
NA
Functional Skills
Rich 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 Skills
Positive 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
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