Credit Officer

Job Summary:

Job Summary:
Primary responsibility is the development of the local market with emphasis on the acquisition of new business and retention of customers within assigned territory.
Establishes and maintains relationships with individual customers, businesses, and companies to develop new business relationships for the bank.
Responsible for monitoring of existing customers, follow-up on inquiries, problem solving to retain customers and to develop new credit and deposit opportunities within the target market of the bank.

Duties & Responsibilities:

Tasks and Responsibilities:
Develops and implements marketing plans designed to build relationships with current clients and bring new relationships into the Bank.

1.Assist in the management of loan portfolio. Responsible for collecting updated financial information, recovery of past due loan payments, and assisting in processing loan renewals.

2.Marketing of different types of loans and credit facilities that are available, as well as the terms of respective services.

3.Negotiate payment arrangements with customers who have
delinquent loans.

4.Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.

Review and update credit and loan files.

1.Review loan agreements to ensure that they are complete and accurate according to policy.
30 September 2010 2 Afghanistan International Bank

2.Handle customer complaints and take appropriate action to resolve them.

3.Examine, evaluate and process applications for credit or
loans and control and process accounts.

4.Assess loan requests or commercial credit applications through interviews with applicants and checking application forms, references, credit ratings, credit scores and other information.

5.Approve or recommend approval of loans and commercial credit applications within credit and risk policy guidelines of the bank.

6.Prepare reports of loans and accounts which have
outstanding (unpaid) amounts.

7.Prepare reports on credit ratings of customers.

8.Conduct financial and marketing appraisals of clients
businesses.

9.Answer enquiries concerning loan balances or commercial
accounts, penalties and credit standing of customers.

10.Record and finalise credit committee minutes on as and
when required basis.

11.Dealing with 3rd parties as evaluators, lawyers,
financial accountants etc.

12.Maintain a close liaison with all departments in the
bank on a regular basis.

Job Requirement:

Qualification:

1.University degree in business, finance or related field

2.Preferably at least two years of credit experience.

3.Familiarity with a range of commercial bank products and
operations.

4.Strong Computer skills (Excel, Word etc.)

5.Must be willing to travel within the provinces across
Afghanistan.

6.Excellent written and oral communication skills in
English.

Job Location: