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SME Loan Officer


About Mutahid Development Finance Institution

Mutahid (meaning United in local language) Development Finance Institution (MUTAHID) was established on April 1, 2011 and initially three MFIs namely Microfinance Agency for Development and Rehabilitation of Afghan Communities (MADRAC), Parwaz Microfinance Institution (PARWAZ) and Mofad Microfinance Company (MOFAD) were consolidated. Later on, three additional MFIs namely Women for Women International Microfinance Afghanistan (WWI), Ariana Financial Services (AFS) and ChildFund Afghanistan Microfinance Limited (CFA MF) consolidated into MUTAHID.

The creation of MUTAHID was an opportunity to combine the best components of these consolidating institutions and to preserve the significant investments made over the last few years, to create one larger, stronger and sustainable, best practice MFI based on the core principles of ethics, ideas and hard work while incorporating the lessons learned from the past.

Microfinance Investment Support Facility for Afghanistan (MISFA) is supporting MUTAHID directly by providing direction, capacity building and financial resources and while a division of MISFA is run as a separate autonomous operating entity. The management of MUTAHID is ensuring the orderly and judicial transfer of good clients, quality staff and assets of the consolidating institutions.

Job Summary

The SME LO is mainly responsible for marketing/outreach; undertaking detailed financial & business appraisal of SME entrepreneurs requesting financial services; verifying collateral and guarantors; indicating and reviewing risks; presenting proposal for financing to the respective review committee; contributing to the financial services decisions and developing and managing customer relationship, including following up delinquencies as and when these arise.

Job Details

Date Posted: 01 Dec 2018 Reference: VA0336
Closing Date: 15 Dec 2018 Work Type: Full Time
Number of Vacancies: 7 Gender: Any
Functional Area: Banking Open Ended: NO
Nationality: Afghan Salary Range: As per company salary scale
Contract Type: Permanent Years of Experience: 1 Year(s)
Contract Duration: 0 Year(s) & 0 Month(s) Extension Possibility: No
Probation Period:

Duties and Responsibilities

1. Marketing/outreach

• Cultivate new opportunities to expand financial services to SMEs in target markets.
• Respond to referrals (internal and external) in a timely, professional manner.
• Promote the products and services to prospective and existing customers.
• Promote a positive attitude and team approach to customer relationship.

2. Financial services origination process
• Determine the most appropriate type of financial services for a particular customer and explain specific requirements and restrictions associated with the financial services to the customer.
• Gather information about customer’s business and guarantors to ensure that an informed decision is made regarding the creditworthiness of the customer and the probability of repayment.
• Analyze and verify financial services applications to determine the customer’s creditworthiness.
• Document the proposal to financing in line with the policies and procedures and present to the review committee for decision.
• Respond to customer requests in a timely, professional manner.
3. Customer relationship management
• Respond to questions about the process and assist customers in filling out the application.
• Work closely within the department to conduct a comprehensive industry and financial analysis and risk assessment and to determine appropriate loan terms and repayment schedule.
• Actively monitor customer’s business performance and maintain ongoing contact with the customer.
• Following up on delinquencies and assisting delinquent customers in identifying viable methods of repayment.
• Understand, adopt, and adhere to organizational policies, procedures and guidelines.
• Work closely with respective departments regarding administrative matters, compliance, accounting, collections and other back office functions.

4. General

• Perform any other task assigned by the supervisor.
• Contribute towards development of policies and procedures, as required.


Strong communication skills Solution Oriented Analysis Result-Oriented
Building Relationship Prompting Team Work Integrity
Problem solving Organizing Attentive
Analytical Planning Coordinating
Time management Written/oral English Troubleshooting


• Completed or enrolled in Bachelors/Diploma level educational program in a related academic field such as finance, economics, business administration, accounting or statistics.

Working experience: 2 years’ officer level employment experience in development finance sector in Afghanistan relevant experience in SME financial services would be preferred Good understanding of the development finance sector

Knowledge: Good command of Microsoft Excel, Microsoft Word and Microsoft Outlook.
Fluency in English and Dari.

Job Location

Afghanistan - Balkh
- Herat
- Kabul
AF AF 12


Bachelors Degree,

Submission Guideline

The application package, only acceptable in English or Dari languages, should, comprise of your latest up-to-date resume and cover letter explaining your interest and suitability for the position, indicating your earliest joining date, if selected.

Interested candidates should submit their application package only via email with the subject “Mutahid OA0336”. Due to the expectation of a large number of applications only shortlisted candidates would be contacted.


Submission Email

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