Credit Officer

About Afghanistan International Bank

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 Requirements

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.

Submission Guideline

How to apply:
The application consist of a one-page cover letter explaining your interest and suitable for the post and send it along with up-to-date CV before closing date, Interested National candidates should submit their applications by email (clearly indicating on the subject line the title of the position and Vacancy Announcement Number) to: jobs@aib.af
Main Office:
Afghanistan International Bank
Human Resources Department
Shar-e-Now, Haji Yaqub Square
Shahabuddin Watt
Kabul, Afghanistan
Contact: +93 20 255 0 123 begin_of_the_skype_highlighting              +93 20 255 0 123      end_of_the_skype_highlighting (Sunday to Thursday – 08:30am to 05:00pm)
Only short-listed candidates whose applications respond to the above criteria will be contacted for test and interview.
Afghanistan International Bank (AIB) is an Equal Opportunity Employer

Functional Area

Human Resources

Countries

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