Credit Officer-CAD-Agriculture Banking-Bangalore

1. POSITION DESCRIPTION

JOB TITLE

Credit Officer-CAD Agri Lending

GRADE

DM-II

DEPARTMENT

Credit

LOCATION

Regions

SUB-DEPARTMENT

Agri Lending

TYPE OF POSITION

Full time

REPORTS TO

Specialist CAD - Agri Lending

REPORTING INTO

NA

1. ROLE PURPOSE & OBJECTIVE

CAD officer responsible for conducting quality check of files submitted for disbursement and shall ensure the files meets all the criteria to get disbursement. Ensure thorough verification and quality check of executed loan documents once submitted from Sales and dispatch them for disbursement at minimal TAT. Ensures the terms and conditions stipulated in the sanction letter are compiled before initiating disbursement

1. SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• To manage approx. 50 crore of disbursement under secured asset book of Rural Banking

• To manage files from 40-50 branches of a region and co-ordinate with nearly 15-20 credit officers

1. KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business
 

• Post Disbursement Quality check of all the Kisan Pragati Card, Kisan Suvidha Loan and any other new products getting launched under Rural banking
• Ensure timely processing and recommendation to Operations for loan booking
• Ensures the terms and conditions stipulated in the sanction letter are complied before initiating disbursement
• Dispatch of files to the Operations Hub for loan account creation/disbursement, handling of queries raised by operations and resolving them through co-ordination with branch
• Ensure all the documents as per the product guidelines are obtained/arranged in the files before initiating account opening process
• Backend CIBIL or Equifax/High Mark Bureau report generation on the request of Field Team
• Ensure Quality approvals and error free processing of forms (FIFO basis) in line with regular business requirement.
• Must ensure the underwriting quality on a comprehensive approach by escalating where ever breach of guidelines of respective product
• Extend backup and support for PD in absence of credit officer –field
• Imparting training to the Distribution team of Rural banking/microfinance on the KPC, Agri composite loans, and other assigned products on the proposal flow in QC and common errors observed during QC
• 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
• Responsible for handling the vendor bills viz., advocate bills, technical valuers bills etc.
• Engage in collections for recovery, follow up for Incremental overdues and non-starters
• To handle tranche disbursements/ sub limit disbursements as per sanction terms and conditions
• Responsible for collection and tracking of AODs from branches and updating it in system through Operations team

Customer

• Ensures customer satisfaction by processing of loan applications within the TAT defined
• Branch visits and monitor policy and process implementation on field.
• Sample Field visits for end use verification of funds for the disbursed accounts
• Queries raised or Technical errors raised by Branches/field staff/other departments (Distribution/SQ/Audit/IT) are resolved in a timely manner
• 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
• Address customer requests such as NDC on account of loan closure, any other requests related to property documents, crop insurance declaration letters etc.

Internal process

• Robust QC at backend-Checking the availability of all the documents as per the Kisan Pragati Card/ KSL checklist both in terms of pre-sanction and post sanction documents
• Share critical findings & instances of policy/process violation identified with supervisor
• Ensure completeness of post disbursement documents, follow up for if gaps any
• 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.
• To fallow up and collect the pending post disbursement documents through a tracker
• To maintain MIS on Crop Insurance data, tracker on backend credit performance with respect to in TAT and out TAT etc.
• To maintain MIS on the vendor bill (Legal & technical) processed month on month and resolving the issues/escalations pertaining to the same
• Handholding and Assistance to Credit Officers in controlling their Error rates. Error Reports for all such Credit Officers should be shared with them and concerned managers every month.
• Responsible for instructing and execution of any sanction terms such as netting off/ account transfer/ DD issuance to the vendor etc.
• Should interact and establish co-ordination with all the stake holders for smooth functioning of business
• To manage back end process related to security updation in LMS and LOS, periodical revaluation of the properties as per bank’s collateral management policy
• To manage and support collections by coordinating for issuance of various notices and to provide the update on legal actions initiated on default customers.
• To ensure AOD is being obtained for all the customers as per defined timelines.

Learning & Performance

• Maintain up to date knowledge of all the products and the geography
• Timely completion of E-Learning module in Swayam, handy train, Hello English etc.
• Upgrade self and branch team about changes happening in the market
• New products being introduced and new systems being adopted to be learnt quickly and to be adopted.
• Keep updated with SLBC / DLC meetings & annual reports for information on investment on different types of crops for KCC / Agri limits. Keep abreast with ongoing farming operations in the field & market.
• Networking with other NBFCs / Banks to have a deeper understanding of the Industry and its perspectives
• Clear Annual Certification Test and Test Score of internal assignments
• Ensure necessary feedback is given to supervisors on regular basis about the credit policies, processes and systems for effective and efficient underwriting
• Improve the probing skills to identify any issues in the field and report critical findings / observations for necessary action.
• Work in close co-ordination with team members, participate in discussion to improve back-end processes and activities
• Punctuality, Maintaining Discipline at work, Flexibility in work & decision making ability in approvals at backend.

1. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduation or Post Graduation Preferably in Agriculture, Agri Business Management, Rural Management etc.

Experience(Years and Core Experience Type)

• 2-4 years of experience preferably in Agri Operations or Credit or sales of any financial products

Certifications

• NA

Functional Skills

• Knowledge of documentation and legality aspects of unsecured and secured loans
• Business analysis skills and document verification skills
• Proficient in reading / understanding financial statements
• KYC norms/guidelines for high ticket size loans
• Basic knowledge of security documents and process for - hypothecation and mortgage of property

Behavioral Skills

• Communication skills - fluent in the local language and basic English
• Time Management - Ability to prioritize the work based on the importance / urgency
• Flexible enough to support the business needs
• Customer relations management
• Performance oriented approach with high productivity

Competencies

• Strong Analytical and Interpretation skill. Good interrogation and investigation skills
• Good decision making and judgement ability
• High degree of accuracy and attention to detail
• Strong Interpersonal skills & ability to manage relationships with internal & external stakeholders

1. KEY INTERACTIONS

INTERNAL

EXTERNAL

Regional Business Manager, Area Manager, Loan Officers-Secured, Area Managers, Credit Officers & their supervisors, RBMs and Branch Manager

Vigilance Officer and Auditors,

Operations team

Customers and community,

Vendors, Legal & technical agencies

Competitors – Staff of other MFI/SFB or banks

Government charge registration portals/offices etc.

PREPARED BY :

DATE :

REVIEWED BY : Ramesh Babu

DATE : 18-01-2024

LAST UPDATED BY : TM Team

DATE : 20-02-2026