Risk cum Collection Officer

Talent Leads Consultants
  • Ahmedabad, Hyderabad, Bhopal, Indore, Kurukshetra, Panipat, Vijaywada, Rajkot
  • Confidential
  • 1-5 years
  • Views
  • 25 Apr 2018

  • Finance/ Accounts

  • Recruitment/ Staffing
Job Description

JOB DESCRIPTION- Risk cum Collection Officer- Agri Risk Job Title Risk cum Collection Officer- Agri Risk Grade Assistant Manager/ Deputy Manager / Manager/ Senior Manager/ Assistant Vice President Department Agri Risk Location Maharashtra, Gujarat, Rajasthan, Madhya Pradesh, Chhattisgarh, New Delhi, Punjab, Haryana, Andhra Pradesh, Karnataka, Tamilnadu Reporting To Cluster / State/ Regional Heads- Agri Risk Position Purpose: The Officers will be appointed at field level and will be responsible for the pre-sanction, credit recommendations, post-sanction, collection and recovery of the Retail Agri loans [KCC Loans, Farm investment Loans, Vehicle Loans, Tie Up loans, Commodity loans, Business correspondence loans etc. ]. Position Responsibilities: Undertaking the pre-sanction/ post-sanction inspections to gather the credit / financial / security related information on the borrowers. Credit Appraisal of Agri loans viz; Kisan Credit Card, Farm investment loans, Vehicle Loans, Commodity loans, Tie up loans, loans through Business Correspondence arrangements. Ensure due diligence checks while underwriting of the proposals. Review and / or Renewal, Restructuring and / or rescheduling of the credit proposals. Scrutiny of title documents, Title Search report and valuation reports with respect to security offered. Follow up for compliance of terms and conditions of sanction / deferrals provided. Co-ordinate with customer, Relationship Managers, and Operation teams. Following up with clients, who has delinquent / default loans via telephone, email, SMS and field visits etc. for collection of dues. 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. Repossession and disposal of assets financed and liquidation of commodity loans Find ways to solve the repayment issue with the clients before taking any legal action. Coordinating with pursuit of legal actions with the legal counsel. Travel to provinces and pursue the legal action against default clients in the courts. Updating latest developments in Agriculture, Rural Economy and Banking especially in the area of operation. Other tasks assigned from time to time by departmental heads Experience Should have at least 1-10 years related experience in credit underwriting of Agri Loans with Bank s / NBFC s Willingness to travel Sound knowledge of regulatory environment Good analytical, probing and interaction skills Conversant with technical aspects of Agri loans Strong geographical intelligence Skills Attributes Analytical Interpersonal skills Drive and resilience Probing Resolving the issues ? Proven experience working with multiple stakeholders with different methodologies and approaches of collection & Recovery Self- motivated and ability to work under pressure Good in communication and soft skills Ability to understand the credit and legal aspects and interact with govt. agencies Skill in repossession of assets and liquidation

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