Officer-Credit Agriculture Banking

Ujjivan Small Finance Bank; Botad; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Ujjivan Small Finance Bank is seeking an Officer-Credit Agriculture Banking for Rural Banking, handling underwriting of secured agri loans and coordinating with sales, legal, and technical vendors. The role includes site visits to assess collateral and finances, followed by loan appraisal per policy.

The position involves managing a portfolio, ensuring regulatory compliance, and driving field-level credit decisions through a structured approval process.

Qualifications

• Underwrite secured agricultural loans including Kisan Prgati Card and Kisan Suvidha loans.
• Assess repayment capacity and conduct site verifications.
• Coordinate with sales, legal, and technical vendors to process loans.

Responsibilities

• Underwrite Kisan Prgati Card, Kisan Suvidha Loans and other Rural Banking products in field.
• Sanction or recommend secured loans with justification per policy.
• Verify farm lands, offices, and residence as per loan purpose.
• Assess borrower cash flow and repayment capacity.
• Conduct references with customers, suppliers, and dealers.
• Ensure collection of documents and compliance with KYC and policies.
• Obtain legal opinions and collateral valuations; advise mortgage type.
• Decide on approvals per grid and bureau checks; capture reasons for rejections.
• Ensure portfolio quality and monitor accounts; renew as needed.
• Drive technology-based projects and engage in collections for recoveries.

Job description

POSITION DESCRIPTION

JOB TITLE : Officer-Credit Agriculture Banking

GRADE : DM-II

DEPARTMENT : Credit

LOCATION : Multiple locations

SUB-DEPARTMENT : Agriculture Banking

TYPE OF POSITION : Full time

REPORTS TO : Cluster Credit Manager- Agriculture Banking

REPORTING INTO

NA

ROLE PURPOSE & OBJECTIVE

Officer-Credit Agriculture Banking is responsible for underwriting secured variant under Rural Banking i.e. KPC and related variants of KPC. The role mainly co-ordinates with sales team and also with external vendors such as legal & technical to sanction the secured agri loans. This profile visits the customer residence place and business / activity place to assess the financial parameters, and then appraises the loan applications as per credit approval grid, deviation matrix and bureau matrix

• 10-15 Crores of asset portfolio to be managed with a span of minimum 3 loan officers per credit officer
• Atleast 10 vendors / consultants including all fintech partners, technical vendors and BCs associated/ to be associated with Rural banking

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

• Underwrite Kisan Prgati Card, Kisan Suvidha Loans and any other new products rolled out under Rural Banking in the field through thorough assessment and personal discussion with borrower and / or co-borrower
• Sanction or recommend secured loans with proper justification as per product features, credit policy and based on approval rights
• Conduct farm lands, business place, office, and residence verification of the applicants based on the product and purpose of the loan
• Assess repayment capacity, character and cash flow of the applicant.
• Conduct reference checks with customers /suppliers / vendors / dealers.
• Ensure collection of relevant and proper documents. Ensure adherence to internal and regulatory policies / compliances like KYC etc.
• Understand the nature of collateral security, ensure the collateral offered is free from all the encumbrances, having clear title and marketability, the charge creation of the bank on the property should be exclusive first charge.
• Obtain Legal opinion and valuation reports on the collateral offered as security, should clearly advise type of mortgage to be created on the security in the sanction
• Decision whether to approve or reject the files appraised by the sales / distribution team through thorough verification of the documents and assessment by the appraiser of the loan.
• Capture proper reasons of rejections and communicate the same to branch team in case of rejections
• Escalate deviations for necessary approval as per the deviation matrix. Observe for triggers in documents and elevate documents with issues to FCU team.
• Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix
• Responsible for portfolio quality of the loans underwritten
• Review/renew the accounts before expiry of the limit through coordinating with Distribution team
• Ensure weekly and monthly productivity with respect to personal discussions, quality check of applications, sample visits and checks etc.
• Monitoring rejections from field, guide the branch staff to control the same and ensure higher number of Straight through applications from branches.
• Report/ Escalate critical issues at field for necessary action as per penalty matrix and ensure compliance of Audit issues.
• 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
• Engage in collections for recovery, follow up for Incremental overdues and non-starters
• Ensures success and growth of these products by adhering to defined policy and process for loan approval

Customer

• Ensures customer satisfaction by processing of loan applications within the TAT defined
• Understand customers’ need & repayment capacity & make appropriate loan decisions and recommend right product and loan amount to right customer
• Ensure that credit responds to branch & customers queries and issues timely, thereby ensuring good service to customers through efficient processing of applications
• Co-ordinate with Legal and technical vendors for quick response on the property documents
• Coordinate with FCU team or agency for their reports
• Ensure customers documents are kept safe till they are handled over to concerned authority
• Coordinate with Operations for loan booking, safe keeping of the customer document etc.
• 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

Internal process

• Ensure credit policies and processes are followed effectively by sourcing staffs
• Ensure adherence to all regulatory norms with respect to KYC & Documentation, Customer Selection and Sanctioning of loans
• Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix
• Ensure legal opinions are clearly understood and necessary action taken based on the legal opinion
• Ensure completeness of post disbursement documents, follow up for if gaps any
• Review branch working areas, negative areas, no-go areas and negative customer list
• 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.
• Maintain and update activity trackers – Personal discussions, Quality