Chief Credit Officer

About Afghanistan International Bank

From its inception in 2004, AIB’s mission has been to foster economic development in the country, be a catalyst for growth, and ultimately contribute to the prosperity of Afghanistan and its people. Afghanistan International Bank is the country’s leading bank, and one of the most trusted and respected institutions in Afghanistan. Our success has been enabled by our unwavering focus on international best practices in corporate governance, financial, and risk management - including anti-money laundering and ‘know your customer’ procedures. This is overlaid by industry-leading customer service, operations, information technology, and internal controls. Despite the challenging backdrop over the last decade, we have successfully become a positive emblem for achievement, governance, and transformation. Now in our second decade of operation, we remain committed to enabling a better future for Afghanistan and we are proud to play a role in shaping the opportunities that lie ahead. 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

Contribute to the strategic direction of the Bank through the implementation of sound and prudent underwriting standards to ensure that the bank is in complete compliance with DAB regulations, guidelines, and bank internal policies, and underwriting procedures in support of the Bank’s credit goals.

Duties & Responsibilities

Main Task

1.Provide supervision, guidance and training to other officers of the bank engaged in lending activities to insure the safety of the credit portfolio.

2. Review and analyze new, renewal or extended cases of all loans in considerate for approval with the exception of consumer loans. 

3. Assist in developing and implementing loan portfolio policies and procedures in accordance to current practice and DAB requirements.

4. Participate in various committees related to credit functions of the bank.

5. Participate in the development and implementation of the bank’s strategic credit objectives.

6. Provide support to business lines in initiating and managing credit relationship with commercial clients of all sizes.

7. Ensure that all credit proposals are properly submitted to Risk for review.

Additional Tasks:

The CCO may be assigned a number of additional tasks besides the main that already noted.

1. Supervise and conduct ongoing credit review for yearly assessment.

2. Provide guidance in the area of off-site visits to customer business for quarterly monitoring purposes. Provide updates and improve the scope of the visits to insure portfolio safety.

Additional Comments:

Maintain internal relationships with:

- Coordinate with other areas of the bank, such as Risk Management, IT, Operations, Finance/MIS, Treasury, Legal, Compliance, appropriately in order to create an efficient and effective communication via the functional lines.

-  Provide training to credit staff on current related topics and any issues found in the underwriting process or during individual facility reviews.

Job Requirements

EDUCATIONAL QUALIFICATIONS       

-      At least Bachelor degree in the fields of (Economic, Finance, Accounting, Business Administration or ACCA membership).

-      Having certificates in PRM, FRM, CFA, CPA or other related professional certificates will be preferred.  

-      Islamic certificates will be preferred to have.

RELEVANT EXPERIENCE

-      Banking experience

-      Extensive Loan review and underwriting experience

-      Knowledge of proper loan documentation

-      At least 5 years in banking credit management or 8 years’ experience in related field with other financial institutions.

 SKILLS & COMPETENCIES:

-      Fluent in writing and speaking English

-      Ability to analyze and interpret loan ratios and levels

-      Ability to write in English summary findings on loans

-      Ability to analyze company financial statements and projections

-      Excel, PowerPoint and Word proficiency

-      Self-starter with little provision needed.

-      Overall general operational banking knowledge required

Knowledge:

a. Know how to how to manage loan application procedure and lending practices according to applicable laws and regulations.

b. Know how to comply with lending rules and regulations.

Skills:

a. Strong Leadership and management skills,

b. Communication and Interpersonal Skills

c. Problem Solving

d. Proven Customer Service Skills.

e. Financial Analysis skills

f. Mathematical and Budgeting.

g. Strong Analytical Skills

Ability:

A. Able to make decision.

B. Able to create and process financial spreadsheet.

C. Able to evaluate client's creditworthiness.

Submission Guideline

AIB is committed to a diverse workforce and encourage all eligible local applicants, irrespective of gender, disability, culture, religious and ethnic backgrounds to apply.

Interested individuals can apply using the below link:.

https://aib.zohorecruit.com/jobs/Careers/584743000003344042/Shariah-Board-Member-Re-Announced?source=CareerSite

Please note that after you apply online to this position, you are required to send a copy of your CV to info.bfd@dab.gov.af with this subject line (Application to the position of Chief Credit Officer - 2024-138-AIB). Failure to comply with this instruction can disqualify your candidacy at any stage.

Short-listed candidates whose applications respond to the above criteria will be contacted for written test or interview. If you did not receive a response within two-four weeks after closing date, it means you are not shortlisted 

We are highly encouraging qualified and eligible disable candidates to apply.

Functional Area

Banking

Countries

Afghanistan

Provinces

Kabul

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