Bachelor's Degree   Multi City Full Time 3710
Date Posted:Feb 5, 2019
Closing Date:Feb 12, 2019
Work Type:Full Time
Number of Vacancies:5
Functional Area:Banking
Salary Range:Salary is negotiable
Years of Experience:5 Years
Contract Duration: Unspecified
Extension Possibility:Yes
Contract Type:Permanent
Probation Period:3 months
Required Languages:96,90,66

About Agricultural Development Fund:


The Agricultural Development Fund (ADF) will act as a second-tier wholesale lending institution that will lend to intermediaries in the agricultural value chain, who will then on-lend to small commercial farmers, defined as farmers with 1-30 hectares. ADF is capitalized by a $100 million grant provided by the United States Government to the Government of the Islamic Republic of Afghanistan with the objective of increasing lending to the agriculture sector in order to create a more competitive agriculture sector through expanded agricultural production and increased incomes for agricultural households. ADF will lend directly and indirectly to banks, non-bank financial institutions, credit unions, microfinance institutions and non-financial intermediaries such as private farmer associations, farm stores, agricultural depots, food processors, agribusinesses and other market participants and informal providers of finance that support the development of agricultural value chains in Afghanistan and are able to enhance the supply of agricultural credit to the end-borrowers at the farm level. Until its transition to the Government of Afghanistan in 2014, the ADF is managed by the Agriculture Credit Enhancement (ACE) program a USAID contract.

Job Summary:


Skills Required:

Not available

Provinces to travel:

Skills Description:


Duties & Responsibilities:

The ‘Officers’ of the ADF are expected to perform/handle the following duties/ responsibilities. These are illustrative and may undergo a change keeping in view the mandate of the ADF.

Marketing of products and services of the ADF.

Development/expansion of the loan business of ADF in the designated geographical locations in the country.

Scout for/constructively engage with, the new/prospective borrowers/clients (individual entrepreneurs, agricultural cooperatives, associations, companies/ corporates, banks, MFIs, etc.) and facilitate the submission of applications for obtaining loans/credit facilities from ADF.

Manage a healthy and fruitful relationship with the existing clients of the ADF, as also the other stakeholders.

Appraisal of the loan proposals, including the pre-qualification assessment, preliminary scrutiny of loan applications, verifying/establishing the credit worthiness of the prospective borrowers, examining the technical feasibility, financial viability and/or bankability of the loan proposals based on the prudent lending norms/practices (including working out various ratios, fixation of repayment schedules), etc.

Attend to the tasks associated with managing/hedging the risks associated with the credit and other functions of a financial institution.

Handle the responsibilities pertaining to the credit/loan operations, including sanction/approval of loan proposals by the competent authorities, release of funds, signing of contracts/agreements, maintenance of data/information in respect of loans disbursed, tracking repayments, etc.

Ensuring timely repayments of loans through regular follow-up with the borrowers/ clients, assist in the recovery of bad debts/written-off loans, attend to the tasks connected to the recovery of loans through legal recourse, etc.

Any other duties and responsibilities assigned by the management of the ADF.

Job Location:

Afghanistan, Badakhshan, Badghis, Baghlan, Balkh, Bamian, Daikondi, Farah, Faryab, Gardez, Ghazni, Ghowr, Hairatan, Helmand, Herat, Jawzjan, Kabul, Kandahar, Kapisa, Khost, Kunar, Kunduz, Laghman, Logar, Nangarhar, Nimruz, Nuristan, Oruzgan, Paktia, Paktika, Panjshir, Parwan, Samangan, Sar-e Pol, Takhar, Wardak, Zabul


Must be a Graduate (with high grades, B plus) in Economics, Finance, Banking, Agriculture, Accountancy & Book Keeping, etc. Preference will be given to the candidates having Post-Graduate qualifications/MBAs.

Must have at least 5 years’ experience of working in a bank/financial institution, preferably in the credit, risk and/or marketing departments.

Must be proficient in the use of various techniques/tools for credit appraisal and risk management.

Knowledge of agricultural financing and the tenets/principles of Islamic/Sharia finance would be an added advantage.

Must have strong communication and presentation skills, including in the use of MS Office package.

Should be fluent in English and Pashto/Dari languages.

Job Keywords:

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