Loan Officer

About OXUS Afghanistan

Job Summary

Is directly responsible for any potential late repayment by the clients and works closely with the Loan Administrator or Branch Manager in order to eliminate any portfolio at risk immediately.

Duties & Responsibilities

1) Processes new micro loans to groups loan:
a)Prospects new customers and assists them during their whole loan application;
b)Ensures that all forms are completed correctly by the clients, with special attention given to the accurate understanding and completion of the Business Profile by each client;
c)Conducts individual loan appraisal by collecting detailed information (personal, business, guaranties, collaterals);
d)Conducts due diligence on all potential individual customers to ensure that their business plans and guarantees are realistic and that the loan amount and term is suitable for them;
e)Gives his/her opinion during loan committee meetings to decide which groups will receive a loan;
f)Attends the signature of the contract and reads it thoroughly, especially the penalty clause;
g)Opens the loan account of his/her customers and follows up thoroughly the client relationship;
h)Develops his/her clientele by marketing and selling individual loans (only if no portfolio at risk);

2) Ensures timely repayments for all the loan installments:
i)Ensures a good record of the repayment schedules of all his/her clients;
j)Makes regular site visits to remind clients of their repayments and to check their business evolution;
k)Ensures that clients reimburse their loans on time and for the exact amount;
l)Follows-up immediately with any client not fulfilling his obligations and charge them penalties

Job Requirements

a)Minimum High School diploma
b)Minimum two (2) years working experience (prior microfinance experience highly preferable), conducting research, working for a bank, small business or company,
c)Fluent in Dari; English welcome but not essential
d)Computer skills in Word and/or Excel
e)Strong organizational and interpersonal skills
f)Able to work independently and in a group, willing to take initiative, and energetic;
g)Able to learn quickly.

Submission Guideline

Interested candidates should send their application by email with reference OAF Loan Officer to:

OXUS Afghanistan
Email: job.afghanistan@oxusnetwork.org

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