Officer-Credit Agriculture Banking

Ujjivan Small Finance Bank; Thane; On-site; INR 650,000 - 950,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. is seeking an Officer-Credit Agriculture Banking to underwrite secured rural loans (KPC variants). The role involves field visits, collaboration with sales, and coordination with legal/technical vendors to assess financial parameters for loan sanctioning.

Responsibilities include verifying collateral, assessing repayment capacity, and ensuring KYC/compliance while maintaining portfolio quality and timely approvals.

Qualifications

• Underwrite Kisan Pragati Card and Kisan Suvidha Loans in field through borrower discussions.
• Sanction or recommend secured loans with proper justification per policy and approval rights.
• Verify farm lands, business place, office and residence as per loan purpose.
• Assess repayment capacity, character and cash flow of applicant.
• Conduct reference checks with customers/suppliers/vendors and ensure post-disbursement compliance.

Responsibilities

• Coordinate with sales team and external vendors for timely sanctioning.
• Ensure adherence to KYC, documentation and regulatory norms.
• Escalate deviations for necessary approvals per deviation matrix.
• Monitor portfolio quality and renew accounts before expiry of credit limit.

Skills

Credit underwriting

Agriculture loans

Sales coordination

Education

Agriculture/Finance degree

Job description

REPORTINGINTO

NA

ROLEPURPOSE & OBJECTIVE

Officer-Credit Agriculture Banking is responsible for underwriting secured variantunder Rural Banking i.e. KPC and related variants of KPC. Therole mainly co-ordinates with sales team and also with externalvendors such as legal & technical to sanction the securedagri loans. This profile visits the customer residence place andbusiness / activity place to assess the financial parameters, andthen appraises the loan applications as per credit approval grid,deviation matrix and bureau matrix

SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

10-15Crores of asset portfolio to be managed with a span of minimum 3loan officers per credit officer

Atleast10 vendors / consultants including all fintech partners,technical vendors and BCs associated/ to be associated with Ruralbanking

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Business

UnderwriteKisan Prgati Card, Kisan Suvidha Loans and any other new productsrolled out under Rural Banking in the field through thoroughassessment and personal discussion with borrower and / orco-borrower

Sanctionor recommend secured loans with proper justification as perproduct features, credit policy and based on approval rights

Conductfarm lands, business place, office, and residence verification ofthe applicants based on the product and purpose of the loan

Assessrepayment capacity, character and cash flow of the applicant.

Conductreference checks with customers /suppliers / vendors / dealers.

Ensurecollection of relevant and proper documents. Ensure adherence tointernal and regulatory policies / compliances like KYC etc.

Understandthe nature of collateral security, ensure the collateral offeredis free from all the encumbrances, having clear title andmarketability, the charge creation of the bank on the propertyshould be exclusive first charge.

ObtainLegal opinion and valuation reports on the collateral offered assecurity, should clearly advise type of mortgage to be created onthe security in the sanction

Decisionwhether to approve or reject the files appraised by the sales /distribution team through thorough verification of the documentsand assessment by the appraiser of the loan.

Captureproper reasons of rejections and communicate the same to branchteam in case of rejections

Escalatedeviations for necessary approval as per the deviation matrix.Observe for triggers in documents and elevate documents withissues to FCU team.

Decisionon loan applications as per credit approval grid, deviationmatrix and bureau matrix

Responsiblefor portfolio quality of the loans underwritten

Review/renewthe accounts before expiry of the limit through coordinating withDistribution team

Ensureweekly and monthly productivity with respect to personaldiscussions, quality check of applications, sample visits andchecks etc.

Monitoringrejections from field, guide the branch staff to control the sameand ensure higher number of Straight through applications frombranches.

Report/Escalate critical issues at field for necessary action as perpenalty matrix and ensure compliance of Audit issues.

ConductLoan Utilization Checks for the recent disbursement cases as perpolicy.

Ensureto participate and drive the successful implementation of technology based projects at backend and field

Engagein collections for recovery, follow up for Incremental overduesand non-starters

Ensuressuccess and growth of these products by adhering to definedpolicy and process for loan approval

Customer

Ensurescustomer satisfaction by processing of loan applications withinthe TAT defined

Understandcustomers’ need & repayment capacity & makeappropriate loan decisions and recommend right product and loanamount to right customer

Ensurethat credit responds to branch & customers queries and issuestimely, thereby ensuring good service to customers throughefficient processing of applications

Co-ordinatewith Legal and technical vendors for quick response on theproperty documents

Coordinatewith FCU team or agency for their reports

Ensurecustomers documents are kept safe till they are handed over toconcerned authority

Coordinatewith Operations for loan booking, safe keeping of the customerdocument etc.

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

Internalprocess

Ensurecredit policies and processes are followed effectively bysourcing staffs

Ensureadherence to all regulatory norms with respect to KYC &Documentation, Customer Selection and Sanctioning of loans

Decisionon loan applications as per credit approval grid, deviationmatrix and bureau matrix

Ensurelegal opinions are clearly understood and necessary action takenbased on the legal opinion

Ensurecompleteness of post disbursement documents, follow up for ifgaps any

Reviewbranch working areas, negative areas, no-go areas and negativecustomer list

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.

Maintainand update activity trackers – Personal discussions,Quality check of files shadow visits, sample checks, trainings,LUCs, escalations, deviations, branch errors

Todo quality check of documents that are executed post sanction andthen recommend for sanction.

Learning& Performance

Maintainup to date knowledge of all the products and the geography

Keepupdated about the regulatory norms for agri products

Keepupdated about the property document related policies andprocesses

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 Banks to have a deeper understanding of the Industryand its perspectives

Undertakebusiness sub sector study and underwrite cases at field

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

Impartingtraining to branch team on KCC, Agri composite loans, other agrisecured product’s credit policies, processes and systems,conduct regular trainings on changes / refreshers.

Ensuringvisits in branches of other clusters to ensure understanding andlearning through experience

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduationor Post Graduation Preferably in Agriculture, Agri BusinessManagement, Rural Management, Finance etc.

Experience(Yearsand Core Experience Type)

2-4years of experience preferably in field credit or sales of anyfinancial products preferably agricultural or secured products

Certifications

NA

FunctionalSkills

Knowledgeof credit underwriting in secured loans, agricultural loans

Businessanalysis skills and document verification skills

Proficientin reading / understanding financial statements and legalopinions

KYCnorms/guidelines for high ticket size secured and agri loans

Knowledgeof land and property documents

Knowledgeof hypothecation and mortgage process

BehavioralSkills

Gooddecision making and judgement ability

TimeManagement - Ability to prioritize the work based on theimportance / urgency

Flexibleenough to support the business needs

Customerrelations management

Performanceoriented approach with high productivity

Goodinterpersonal skills

Willingnessto travel & relocation as per business requirements andcareer opportunities

Communicationskills - fluent in the local language and basic English

StrongAnalytical and Interpretation skill.

Goodinterrogation and investigation skills

Highdegree of accuracy and attention to detail

StrongInterpersonal skills & ability to manage relationships withinternal & external stakeholders

KEYINTERACTIONS

INTERNAL

LoanOfficers, Distribution team, Credit supervisory staff, Collectionteam, Branch Manager, VigilanceOfficer and Auditors etc.

EXTERNAL

Customersand community

For third party/reference check: Supplier, buyer, neighbours,employers involved in loan process, FCU Agency, Vendors,Legal & technical agencies,

Competitors– Staff of other MFI/SFB or banks