A. Position Purpose Inspection, monitoring and control of commodity loan portfolio including Retail Agri loan portfolio To help the State/ Cluster Agri Risk Head in the sanctioning, inspection, monitoring, audit observation resolution and liquidation of stress accounts to maintain hygiene of the portfolio. B. Position Responsibilities Sr. No. Key Responsibilities 1. Inspection of storage structures of the allocated area for verification of Agri commodities pledged to the bank on frequent basis. 2. Resolution of observations found in inspection with the help of internal and external stake holders. 3. Monitoring of portfolio which includes overdue and margin calls overview and its resolution. 4. Processing of commodity and retail loans proposals within framework of stipulated guidelines. 5. Ensuring timely review/ renewal of new and existing accounts. 6. Active participation in recovery of stress accounts by liquidation of agri commodities and NPA accounts with the help of legal and other recourses available. Helping in repossession of vehicles/ other assets. 7. Visiting the Retail Agri clients of allotted area for post sanctioning monitoring & for collection of dues. 8. Ensuring portfolio hygiene is of highest quality. 9. Minimizing Internal & External Audit comments. 10. Updation of market intelligence in view of portfolio mix to forecast upcoming challenges. 11. To assist the State/ Cluster Agri Risk Head in the pre sanction visits, sanctioning, monitoring, recovery, resolution of internal and external audit comments etc. 12. Updating latest developments in Agriculture, Rural Economy and Banking especially in the area of operation. 13. Keeping track of the production, storage and marketing of Agri Produce, market prices and settlement practices so as to provide necessary inputs for processing of the loan proposals, assessing viability, margin requirements for the pledged commodities and to take timely steps for collection / recovery of Agri loans 14. Shouldering responsibilities as and when stipulated by management.