Relationship Manager

Relationship Manager-Secured Agri Lending

East 3520-Bargarh, Bargarh, Odisha, India

• POSITION DESCRIPTION

• ROLE PURPOSE & OBJECTIVE
  
  

• Driving Agriculture Lending business in their respective Branches. Is responsible for meeting agriculture lending goals, quality portfolio and cross sell of all banking products.
  
  

• SIZE OF THE ROLE
  
  

• Shall be expected to manage a portfolio of Rs. 15 Cr.
• Responsible for collections and portfolio quality
  
  

• Managing agriculture business and portfolio across the branches of operations
• Managing a team size of 5 employees progressively
• Managing assets like marketing collaterals, Stationary, Dockets and Systems
• Managing hiring and placement of Relationship Officers in required Branches, in future.
  
  

• KEY DUTIES & RESPONSIBILITIES OF THE ROLE
  
  

• Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for the area and branches under his/her responsibility to provide guidance and solutions to all stake holders as required.
• Supports reportees- in his/her area in their duties of client visits, risk assessment and recovery strategies
• Supports Loan Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies
• Should be ready to travel extensively across the branches of control for business requirements
  
  

• Ensure that customers are aware of the Product and services properly
• Ensure that customers are explained about the Terms & Conditions of Product
• Focus on lower TAT as per laid down standards.
  

• Ensure right documentation and adherence to laid down process of the Bank
• Monitor health of portfolio
• Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations.
• Ensure, supervise the correct implementation of the credit procedures including all the respective tools
  
  

• Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees
• Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement
• Expected to be updated with all new improvement & innovations happening in the market and competitors
• Should be updated with the latest trends in agriculture, civic and local laws of the territory of operation
• Understanding market trends and competition and timely updation to supervisors
  

• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
  
  

• Graduate in Commerce, Agri or relevant subjects
• An M Sc Agri, MBA or equivalent is an added advantage
  
  

• 2 years in sales and documentation of loans of which at least 1 years in Agriculture Loans in an NBFC/ Bank. Mixed experience of Sales & Credit is acceptable, but should be predominantly in sales
  
  

• Relevant certifications shall be an added advantage
  
  

• Ability to sell source and sell agri loans, drive sales performance. Will be required to take complete ownership of Agriculture Lending at Branch level.
• Ability to engage with internal stake holders, customers and to ensure customer service and meet Bank’s goals.
• Marketing and Sales promotion for Agriculture Lending
• Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, clear and purposeful language.
• Adequate Computer knowledge
  
  

• Sound Product knowledge
• Should possess collaboration skills
• Willingness to travel & relocation as per business requirements and career opportunities
• Managing customer relations
• Performance orientation
  
  

• Good Computer Knowledge
• Competent to handle MIS systems and Lending Software
  
  

• KEY INTERACTIONS
  

• Product and Marketing Team
• Regional Operations, Credit
• Audit, Vigilance and FCU team
• Area Technical Manager
  
  

• Legal Vendors
• External marketing agencies
• Competitor Counterparts
• Local Govt Authorities