Relationship Manager – Agri. (RM-Agri.)

JS Bank Limited is seeking dynamic and result-oriented professionals to join its Agriculture Finance Team as Relationship Manager – Agri. This role is responsible for driving agriculture lending business, acquiring new-to-bank (NTB) clients, managing credit portfolios, and ensuring strong recovery performance across assigned rural/agricultural clusters in Punjab.

Key Responsibilities:

Business Development & Target Achievement:

Achieve assigned monthly/quarterly business targets for agriculture financing, with a strong focus on NTB (New-to-Bank) customer acquisition.

Conduct regular field visits to farms, villages, and agri-markets to identify potential borrowers and develop new business pipelines.

Credit Processing & Documentation:

Prepare, evaluate, and process credit proposals in strict adherence to JS Bank’s credit policies, SBP Prudential Regulations, and internal risk parameters—from initial assessment through to final disbursement.

Ensure complete and accurate documentation for all agriculture loans, including security creation and charge perfection.

Portfolio Quality & Recovery:

Monitor and maintain Non-Performing Loans (NPLs) within acceptable thresholds.

Ensure timely follow-up and recovery of markup (profit) and principal installments.

Execute recovery actions in line with the bank’s Agri. Legal & Recovery Manual, including coordination with legal teams when required.

Customer Relationship Management:

Build and sustain strong, long-term relationships with farmers, agri-business owners, and other rural stakeholders.

Keep borrowers informed about repayment schedules, markup changes, and any policy updates.

Provide proactive, customer-focused service to enhance client satisfaction and retention.

Reporting & Coordination:

Provide regular portfolio performance updates, field visit reports, and market intelligence to regional management.

Coordinate with internal teams (Credit Admin, Risk, Operations) for seamless loan processing and servicing.

Eligibility Criteria:

Education: Minimum Bachelor’s degree (16 years of education) from an HEC-recognized university. Agriculture graduates (B.Sc. Agri. or equivalent) are strongly preferred.

Experience: 3–5 years of relevant experience in Agriculture Financing or Credit Banking (commercial/sme/retail banking experience with agri-portfolio exposure is acceptable).

Core Competencies:

Strong understanding of agriculture lending products (production loans, tractor financing, warehouse receipts, etc.) and credit appraisal processes.

Proven business development, negotiation, and relationship management skills.

Basic knowledge of land revenue records, crop cycles, and local farming practices.

Location Preference: Candidates who are residents of the applied city (Sahiwal, Gojra, Sargodha, or Faisalabad) will be given preference due to frequent field travel requirements.