The major Roles are mentioned below
- Promote banks loan products in rural areas and to Farmers
- Meet and maintain good relationship with farmers and thereby generate Leads
- Pre sanction inspection
- Followup in case of recovery
Loan product mainly include the lending related to Agriculture finance and micro finance. The Agriculture loans include Crop Loans/Kissan Credit Card (KCC), Term Loans for development activities, Farm house construction and project finance.
AFO should be in touch with farmers, they are the one having field knowledge and he/she should disseminate knowledge to the farmers. The role is not only limited to granting of loan they have to ensure the proper recovery of loan and getting the acknowledgement of debt (AOD)
Before the sanction of loan the AFO has to visit the farm and evaluate the things.
As the Govt.of India has introduced the scheme of Financial inclusion activity we have to work for the same. Selling of Financial inclusion products like Micro Insurance i.e Insurance with small premium, No frill savings bank account, Co ordinate business correspondence
The growth channel of an AFO compared to other generalist/specialist officers is more as we are directly in to credit we will get more exposure
Read more about AFO interview preparation
Read more about AFO interview preparation
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