SME Loan Officer

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 Requirement:

- 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.

Job Location: