Credit Officer - CAD - Agriculture Banking

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Business

• PostDisbursement Quality check of all the Kisan Pragati Card, KisanSuvidha Loan and any other new products getting launched underRural banking
• Ensuretimely processing and recommendation to Operations for loanbooking
• Ensuresthe terms and conditions stipulated in the sanction letter arecomplied before initiating disbursement
• Dispatchof files to the Operations Hub for loan accountcreation/disbursement, handling of queries raised by operationsand resolving them through co-ordination with branch
• Ensureall the documents as per the product guidelines areobtained/arranged in the files before initiating account openingprocess
• BackendCIBIL or Equifax/High Mark Bureau report generation on therequest of Field Team
• EnsureQuality 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 product
• Extendbackup and support for PD in absence of credit officer ??field
• Impartingtraining 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 QC
• ConductLoan Utilization Checks for the recent disbursement cases as perpolicy.
• Ensureto participate and drive the successful implementation oftechnology based projects at backend and field
• Responsiblefor handling the vendor bills viz., advocate bills, technicalvaluers bills etc.
• Engagein collections for recovery, follow up for Incremental overduesand non-starters
• Tohandle tranche disbursements/ sub limit disbursements as persanction terms and conditions
• Responsiblefor collection and tracking of AODs from branches and updating itin system through Operations team

Customer

• Ensurescustomer satisfaction by processing of loan applications withinthe TAT defined
• Branchvisits and monitor policy and process implementation on field.
• SampleField visits for end use verification of funds for the disbursedaccounts
• Queriesraised or Technical errors raised by Branches/field staff/otherdepartments (Distribution/SQ/Audit/IT) are resolved in a timelymanner
• Undertakevisits in other financial institutions for timely resolution ofissues relating customer or staffs of other institution
• Engagewith customer for any feedback on the products, policy andprocess
• Addresscustomer requests such as NDC on account of loan closure, anyother requests related to property documents, crop insurancedeclaration letters etc.

Internalprocess

• RobustQC at backend-Checking the availability of all the documents asper the Kisan Pragati Card/ KSL checklist both in terms ofpre-sanction and post sanction documents
• Sharecritical findings & instances of policy/process violationidentified with supervisor
• Ensurecompleteness of post disbursement documents, follow up for ifgaps any
• Ensurethat 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 tracker
• Tomaintain 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 same
• Handholdingand 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 business
• Tomanage back end process related to security updation in LMS andLOS, periodical revaluation of the properties as per bank??scollateral management policy
• Tomanage 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& Performance

• Maintainup to date knowledge of all the products and the geography
• Timelycompletion of E-Learning module in Swayam, handy train, HelloEnglish etc.
• Upgradeself and branch team about changes happening in the market
• Newproducts 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 perspectives
• ClearAnnual Certification Test and Test Score of internal assignments
• Ensurenecessary feedback is given to supervisors on regular basis aboutthe credit policies, processes and systems for effective andefficient underwriting
• Improvethe 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 activities
• Punctuality,Maintaining Discipline at work, Flexibility in work &decision making ability in approvals at backend.