Relationship Manager

  Afghanistan International Bank
Bachelor's Degree   Afghanistan, Kabul Full Time 1205
Date Posted:May 28, 2017
Reference:HR 17/05/2017
Closing Date:Jun 2, 2017
Work Type:Full Time
Number of Vacancies:1
Functional Area:Banking
Salary Range:Salary is negotiable
Years of Experience:3 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:

Development of the local market with emphasis on the acquisition of new business and retention of customers within assigned territory. Establish and maintain 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:

Develop and implement marketing plans designed to build relationships with current clients and bring new relationships into the Bank and follow the market and product developments.

Maintain existing client relationships and ensuring that clients are fully served.

Handle customer complaints and take appropriate action to resolve them.

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.

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

Negotiate payment arrangements with customers who have delinquent loans.

Optimize the revenues taking into account the overall credit policy of the Bank.

Evaluate and prepare credit applications, modifications and renewals on a timely basis.

Mitigate the risks involved in granting credit facilities.

Writing the proposals for customer’s requesting for line of credit. Review and update credit and loan files.

Prepare documentation in accordance with the bank and credit Manual guidelines and make sure that the documentation is duly signed by the customer.

Supply relevant details to the Loan Administration on a standard form.

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

Responsible for the collection and quality of all relevant data (static data, contract data, etc.).

Ensure that credits are granted within approved facility limits.

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 check application forms, references, credit ratings, credit scores and other information.

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

Take action in case the customer does not meet credit terms.

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

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.

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

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

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

Job Requirement:


Bachelor Degree in Business Administration. (Master is an asset).

Other relevant qualification i.e. ACCA – CAT.


Marketing skills

Proposal writing

Technical skill

Specialized Knowledge:

Market information

Customer’s information (annual reports, relationship with other departments etc.)

Various product’s information


3 – 6 year experience in relevant field.

Job Location:

Afghanistan, Kabul
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