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Senior Credit Analyst


About SME Client Support Afghanistan LLC

SME Client Support Afghanistan LLC (“SCSA”) is a consulting and service company registered with the Afghanistan Investment Support Agency with its headquarter in Kabul. SCSA is fully owned by ACGF - Afghan Credit Guarantee Foundation (“ACGF”), a foundation with legal incorporation in Cologne, Germany. ACGF is a credit guarantee fund with the mission to improve access to finance for Afghanistan’s small and medium-sized enterprises (“SMEs”) by sharing the credit risk of the Afghan partner financial institutions (“PIs”) and by improving their SME lending capacity with technical assistance (“TA”). ACGF has been founded in 2014 by DEG – Deutsche Investitions- und Entwicklungsgesellschaft mbH and by the German Ministry of Economic Cooperation and Development.
Governed by a service contract concluded between ACGF and SCSA, SCSA provides a broad range of ancillary services in the context of ACGF’s credit guarantee and technical assistance operations.
SCSA is a consulting company, not a financial institution, and it does not provide any financial services. SCSA does not have contractual relationships with the Afghan PIs; it acts as service provider to ACGF carrying out a range of various services, e.g. conducting market research on SME finance, conducting training needs assessment, providing ongoing technical assistance to PIs (e.g. training-on-the-job and coaching of SME credit staff), providing support services for the credit guarantee appraisal and guarantee claim appraisal, carrying out monitoring support for the guarantee portfolio and the compliance of the partner financial institutions, collecting various types of information for ACGF (market-, portfolio-, risk-relevant information) etc.

Job Summary

The Senior Credit Analyst contributes to the guarantee and TA operations as defined in the contract between ACGF and SCSA and in compliance with the Guarantee Operations and Credit Risk Manual as well as the TA Manual, specifically in the context of guarantee appraisal and guarantee audits. The Senior Credit Analyst cooperates with the credit staff of the PIs on senior officer and middle management level and contributes to the ongoing TA activities.

B. Reports to
Head of Operations

C. Subordinates

D. Receives Reports from

Job Details

Date Posted: 14 Nov 2016 Reference: 002SCSA
Closing Date: 30 Nov 2016 Work Type: Full Time
Number of Vacancies: 1 Gender: Any
Functional Area: General Open Ended: NO
Nationality: Afghan Salary Range: As per company salary scale
Contract Type: Permanent Years of Experience: 2 Year(s)
Contract Duration: 0 Year(s) & 0 Month(s) Extension Possibility: No
Probation Period:

Duties and Responsibilities

The scope of work of the Senior Credit Analyst covers the following specific areas:
1. Guarantee Operations
a. Conduct SME guarantee appraisals including field visits and verifications, desk reviews, etc.
b. Be a voting member in SCSAs guarantee recommendation committees
c. Carry out guarantee audits and other portfolio management activities
d. Contribute to the prevention and identification of non-compliance, lack of discipline, fraud etc. on the side of the PIs
e. Contribute to the portfolio analysis and the maintenance of the desired portfolio quality as set by ACGF

2. TA
a. Contribute to the ongoing TA activities for PI staff including coaching in loan appraisal, portfolio management and delinquency management, participation in credit committees of PIs
b. Contribute to other TA activities such as training, product development, consultancy etc.


a. Academic background in business management, banking, accounting, economics or a related field
b. Credit experience of at least 2 years
c. Good knowledge of the Afghan financial sector
d. Business mindedness and good insight into issues of SME finance
e. Excellent command of English, Dari and Pashto Languages,
f. Excellent Communication skills
g. Excellent analytical skills
h. Good reporting skills
i. Good computer skills
j. Flexibility and mobility
k. Ability to act on own initiative
l. Ability to work confidentially
m. Good management skills
n. Ability and willingness to spend more than 50% of the working time on field work outside of the office and to travel extensively throughout Afghanistan.

Job Location

Afghanistan - Kabul


Bachelors Degree,

Submission Guideline

Please send your application including a 1 page cover letter, CV and three references to . Please mention “Application for the position of Senior Credit Analyst” in the subject line of your e-mail.
Only shortlisted candidates will be contacted.

Submission Email

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