SME Loan Officer

About Sarey

Job Summary

The incumbent of the position is responsible for developing and managing a portfolio of loans for small and medium entrepreneurs.

Duties & Responsibilities

1.Recruits new clients.
2.Explains the loan process to potential clients and verifies clients’ eligibility for a loan.
3.Carries out risk assessment by collecting detailed information on each client through meetings and filed visits (home, business, suppliers, customers, guarantors, community …) and does loan appraisal (financial analysis, repayment capacity, duration of loan, collateral, etc).
4.Updates required data in emerge.
5.Prepares loan Appraisal report for loan committee meeting. Collects and/or fills the documents for guarantees.
6.Presents the loan at the loan committee meeting and informs the client of the loan committee’s decision.
7.Checks the proper use of the funds disbursed.
8.Monitors the loans including periodical site visits and checks that repayments are made on schedule.
9.Reports clients to his supervisor when repayments are late and contacts clients and arranges repayment.
10.Ensure full compliance with relevant/prevailing FMFB policies/procedures; and full alignment with the audit recommendations.

Job Requirements

- High school education.
- Good understanding of the business activity, especially in Kabul
- Ability to communicate and to maintain good relations with the clientele.
- Good presentation and a courteous attitude.
- Proactive.
- At ease with counting and basic financial / accounting issues.
- Ability to work confidentially.

WORK EXPERIENCE:
Prior experience in the trade preferred.

SKILLS:
Reasonable command of spoken and written English,
Computing skills, and demonstrated negotiating and Communication skills.

PERSONAL TRAITS:
Good understanding of business process; ability to communicate and to maintain good relation with the clientele; good presentation skills and excellent courteous attitude; social concern; ability to work in confidentiality; ability to work in the field and to use a motorbike; at least 30 years of age; and a good and sufficient understanding of the people of the target community.

Submission Guideline

Interested candidates, who can meet the position’s requirements, are encouraged to submit their completed FMFB Application Form along with their update Resumes/CVs and a cover letter expressing their candidacy to:

The First Micro Finance Bank, Human Resources Department, 3rd Floor, Park Plaza, beside Shar-e-Naw Pump Station, Shar-e-Naw Road, Kabul, Afghanistan

Electronic applications with completed FMFB Employment Application Form (available in www.acbar.org - Downloads option) and update Resumes/CVs and a covering letter should be addressed to Vacancies@fmfb.com.af no later than February 21 2010

Your applications without the FMFB employment application form, CV and a cover letter will not be considered for short listing.

The Subject for online applications must be: (2010-02/SME-LO/B 1300/008) or your applications will not be considered.

Only short-listed internal candidates meeting the requirements of the position will be contacted after the expiry of the deadline.


If an Active Employee of AKDN sister Organization wishes to apply an FMFB positions he/she must share the issue with, and obtain NOC (No Objection Certificate) from His/her current employer in advance and attach it to his CV/Applications. Failure to do so disqualifying him/her for consideration as candidate.

Functional Area

Banking

Countries

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