Manager Credit

  Afghanistan International Bank
Master's Degree   Afghanistan, Kabul Full Time 1125
Date Posted:Jul 5, 2017
Reference:HR 07/07/2017
Closing Date:Jul 10, 2017
Work Type:Full Time
Number of Vacancies:1
Functional Area:Banking
Salary Range:Salary is negotiable
Years of Experience:4 Years
Contract Duration:Not specified
Extension Possibility:Yes
Contract Type:Permanent
Probation Period:3 months
Required Languages:96,90,66

About Afghanistan International Bank:

Founded: 2004

Afghanistan International Bank (Incorporated in March 2004) is the first private bank in the country promoted by Asian Development Bank (ADB) and some of the prominent business houses of the country headquartered at Kabul. Within 15 years of commencing business the Bank has grown rapidly throughout the country. AIB believes in developing its people through continuous investment in training and giving larger opportunities to those who grow with the bank. With professional management team ensuring high standards of corporate governance and a professional work environment where every manager is committed to train and develop his people is what makes AIB an employer of choice.

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 corporate customers and companies to develop new business relationships for the bank. Responsible for monitoring of existing corporate customers, follow-up on inquiries, problem solving to retain customers and to develop new credit within the target market of the bank. Liaison with external auditors, supervise Reporting and Guarantee team.

Duties & Responsibilities:

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

Manage Herat and Kabul loan portfolio. Responsible for collecting updated financial information, ensure timely payment of interest and instalment from client.

Prepare quarterly/yearly financial reports of AIB pertaining to credit: follow the usual Bank’s practices for the timing of the reports and audit.

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

Annual financial analysis of the companies (Balance Sheet, Income Statement, Statement of Cash Flow and etc.)

Review and update credit and loan files.

Review loan agreements to ensure that they are complete and accurate according to policies and procedures.

Collateral analysis management assessment and assessment of credit enhancement.

Handle customer complaints and take appropriate action to resolve them.

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

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

Monitoring and evaluating from the companies’ business activities and repayments.

Recommend approval of loans and commercial credit applications within credit and risk policy guidelines of the bank.

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

Prepare reports on credit ratings of customers.

Conduct financial and marketing appraisals of clients businesses.

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

Supervises timely repayment on credit facilities.

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

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

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

As secretary of HOCC, ensure all proposals and agenda are shared with HOCC members

Monitoring and analysing customer’s financial reports.

Ensure MIS and all related information are provided to concerned departments

Liaison with external and internal auditors

Supervise Reporting and Guarantee team

Job Requirement:



Specialized knowledge




Ability to communicate with credit client effectively

Ability to handle client queries

Time Management

Good Knowledge of Microsoft Office (Word, Excel, and Power point)


At least four years of experience in commercial banking.

Job Location:

Afghanistan, Kabul
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