- POSITION 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-Agriculture Banking
- 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, inspiring in bringing the best of team, mentor in setting examples, good trainer.

Competencies
- NA
- KEY INTERACTIONS

INTERNAL

EXTERNAL

Branch Team

Lead Banks

Operations Team

BLBC (Block Level Banker’s Committee)

Service Quality

Village Panchayats/Sarpanch

PREPARED BY: Alok Sharma

DATE: 20-02-2024

REVIEWED BY: Murali Chari

DATE: 16-08-2025

LAST UPDATED BY: TM Team

DATE: 13-11-2025

📌 Loan Officer-Agriculture Banking _ Tamilnadu, Kerala & Karnataka (Poonamallee)
🏢 Ujjivan Small Finance Bank
📍 Poonamallee