Loan Officer

  Mutahid Development Finance Institution
High School   Kabul, Afghanistan Full Time 437
Date Posted:Jul 30, 2019
Closing Date:Aug 9, 2019
Work Type:Full Time
Number of Vacancies:5
Functional Area:Banking
Salary Range:As per company salary scale
Years of Experience:1 Year
Contract Duration: Unspecified
Extension Possibility:No
Contract Type:Permanent
Probation Period:3 months
Required Languages:Dari,Pashto,English

About Mutahid Development Finance Institution:


Mutahid (meaning United in local language) Development Finance Institution (MUTAHID) was established on April 1, 2011 and initially three MFIs namely Microfinance Agency for Development and Rehabilitation of Afghan Communities (MADRAC), Parwaz Microfinance Institution (PARWAZ) and Mofad Microfinance Company (MOFAD) were consolidated. Later on, three additional MFIs namely Women for Women International Microfinance Afghanistan (WWI), Ariana Financial Services (AFS) and ChildFund Afghanistan Microfinance Limited (CFA MF) consolidated into MUTAHID. The creation of MUTAHID was an opportunity to combine the best components of these consolidating institutions and to preserve the significant investments made over the last few years, to create one larger, stronger and sustainable, best practice MFI based on the core principles of ethics, ideas and hard work while incorporating the lessons learned from the past. Microfinance Investment Support Facility for Afghanistan (MISFA) is supporting MUTAHID directly by providing direction, capacity building and financial resources and while a division of MISFA is run as a separate autonomous operating entity. The management of MUTAHID is ensuring the orderly and judicial transfer of good clients, quality staff and assets of the consolidating institutions.

Job Summary:

The LO is responsible for persuading, motivating, bringing and disbursing finance to the best clients aligned with Mutahid policy.

کارمند خدمات مالی مسولیت تشویق نمودن، آوردن مشتری و توزیع نمودن قرضه ها مطابق قواعد دفتر متحد برای مشتریان برتر را بعهده دارد

Skills Required:

Market Knowledge

Requires travel to provinces:


Skills Description:

Monitoring       نظارت                                                                       Problem solving        حل مشکلات          Attention to detail                        دقت به جزییات                         Planning      پلانگذاری                                            

Organizing                          تنظیم نمودن                                                             Mathematics      ریاضیات                       

Time managementمدیریت زمان                                                    Instructingرهنمایی                             

Motivating تشویق کردن                                                                    Written/oral Dari    خواندن و نوشتن دری   

Prioritizing tasks                        اولویت دادن وظایف                       Information gatheringجمع آوری معلومات

Communicating clearly/concisely افهام و تفهیم درست              

Duties & Responsibilities:

1.      Plan, Survey & Follow-up:



1.                                                                          پلانگذاری، بازدید و تعقیب کردن:


 Knowledge of principles and methods for showing, promoting, and selling products or services This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.

معلومات اساسی در مورد میتود ها برای نشان دادن – انکشاف دادن و فروش محصولات و خدمات شامل بازار یابی و شیوه های فروش و ارایه محصولات و کنترول سیستم فروشات.


Processing Information:

Compiling, categorizing, calculating, tabulating, auditing, or verifying information or data

داشتن مهارت های مقایسوی محصولات – طبقه بندی – تهیه جدول زمانی باز پرداخت و ارایه دقیق معلومات برای مشتری

 Getting Information -- Observing, receiving, and otherwise obtaining information from all relevant sources.

بدست آوردن معلومات – بررسی- اخذ معلومات از بخشش های مربوطه

 Establishing and Maintaining Interpersonal Relationships -- Developing constructive and cooperative working relationships with others

 Customer and Personal Service -- Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.

بخش خدمات مشتریان شامل ارزیابی ضروریات مشتری- داشتن معیار معین مشتری برای قرضه و ارزیابی وحاصل نمودن قناعت مشتری

 Economics and Accounting -- Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.

داشتن معلومات مورد ضرورت در بخش محاسبه و مالی شامل اساسات محاسبه – بازار یابی مالی – سیستم بانکی و ارزیابی معلومات مالی

Prepare all loan documents,

آماده نمودن تمامی اسناد مربوط به قرضه

 Meet with applicants to obtain information for loan applications and to answer questions about the process.

ملاقات با مشتری جهت بدست اوردن معلومات برای قرضه و درخواست قرضه بخاطر جواب دادن به سوالات پروسه قرضه دهی

 Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.

ازریابی وضعیت مالی مشتری- پس انداز و بررسی جایداد جهت منظور نمودن پرداخت قرضه

 Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.

تشریح نمودن انواع مختلف قرضه برای مشتریان و شروط قرضه های موجود به آنان

 Obtain and compile copies of loan applicants' credit histories, and other financial information.

 Review and update credit and loan files.

گرفتن اسناد و کاپی ان برای قرضه و تاریخچه کاری مشتری و دیگر اسناد لازم و بررسی و ارزیابی دوسیه قرضه دهی.

2.      Miscellaneous:

3. متفرقه:


·        Perform any other task assigned by the FSM;

اجرای وظایف دیگر که از سوی مدیر خدمات مالی دستور داده میشود.

·        Comply with all the policies and procedures of Mutahid.

اجابت با تمام قوانین و مقررات دفتر متحد

Job Location:

Afghanistan, Kabul


Education: Bachelor   Degree, familiarity with local and English languages.

تحصیلات: لیسانس، آشنایی با لسان های محلی و انگلیسی.

Knowledge: Microfinance Operations

دانش/ آگهی: کارکردهای مربوط قرضه های کوچک.

Job Keywords:

Loan Officer
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