SME Loan Officer

  The First Micro Finance Bank
  Afghanistan Unspecified 553
Date Posted:Nov 23, 2010
Reference:11-10/SMELO/B 8300/083
Closing Date:Dec 6, 2010
Work Type:Unspecified
Number of Vacancies:1
Functional Area:Banking
Salary Range:As per NTA salary scale policy
Years of Experience:2 Years
Contract Duration:Not specified
Possibility of Contract Extension: Yes
Contract Type:Permanent
Probation Period:1 month
Required Languages:

About The First Micro Finance Bank:


The FirstMicroFinanceBank (FMFB) is a private company bank licensed by Da Afghanistan Bank (DAB) to do business in Afghanistan. FMFB does business mainly in three sectors: Microfinance, Commercial Banking and Small and Medium Enterprises.

Job Summary:

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

Duties & Responsibilities:

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


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, in Market.
- 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: At least two years experience in the trade field.

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:

This job is expired