|Date Posted:||Jun 4, 2018|
|Closing Date:||Jun 17, 2018|
|Work Type:||Full Time|
|Number of Vacancies:||1|
|Salary Range:||Salary is negotiableNone|
|Years of Experience:||2 Years|
|Contract Duration:||Open Ended|
|Probation Period:||3 months|
We are seeking to recruit a highly motivated 'Loan Officer' to join us who possesses excellent business development skills with a hunger to succeed. Reporting to the Branch Manager, the aim of this role will be to spearhead loan client acquisition for the branch and to originate quality loans of up to $10,000 for low and moderate-income borrowers.
With a positive attitude in everything you do and every relationship you build, you will be passionate about assisting clients with their financial needs through appropriate loan products. More importantly you will ensure that the customer gets the right loan, at the right price, for the right purpose. Obviously cash flow analysis, repayment capacity assessment, and collateral management is all part of the job. Don’t worry, we provide extensive and excellent training programs to ensure that you are able to fulfil your job requirements.
Provinces to travel:
Duties & Responsibilities:
1. Recruiting new clients; assessing customer needs, introducing different types of loans.
2. Explaining the loan process to potential clients and verifying clients’ eligibility for a loan.
3. Going and satisfaction throughout the underwriting process.
4. Interviewing applicants to determine financial eligibility and feasibility of granting loans.
5. Carrying out risk assessment by collecting detailed information on each client through meetings and field visits (home, business, suppliers, customers, guarantors, community) and loan appraisal (financial analysis, repayment capacity, tenure, collateral, etc).
6. Updating the required data in the Bank's Loan Management System.
7. PreparingLoan Appraisal Report for Loan Committee meeting; collecting and/or filling documents for guarantees.
8. Presents the loan at the loan committee meeting and informs the client of the loan committee’s decision.
9. Checking the proper use of the funds disbursed.
10. Loan monitoring including periodic site visits and ensuring timely repayments.
11. Going the “extra mile” to build relationships, and customer loyalty.
12. Operating in compliance with relevant/prevailing FMFB policies/procedures; and full alignment with the audit recommendations.
Job Location:Afghanistan, Balkh
Given the nature of the business you will be a graduate and probably be in the 25 to 35 years’ age bracket. A degree in business administration is desirable, but not mandatory. In order to succeed in this role, you require a strong background in service industry coupled with experience of dealing with business owners. You will have a successful track record in a frontline role, ideally in banking but experience in another commercially driven environment will certainly be considered. The position requires you to be highly customer-driven, responsive, and enthusiastic with the ability to work cooperatively with a broad spectrum of people both inside and outside the Bank. Strong communication skills are essential.