• 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 (Sivakasi)
🏢 Ujjivan Small Finance Bank
📍 Sivakasi