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

Responsible for managing and assessment of the financing customer applications received through branches, process of the consumer financing applications, communicate with branches and all other support departments on assessment, process and completion of the consumer financing cycle. Contribute in implementation of the credit/financing strategic plan of the Consumer Banking, and bank internal policies, and underwriting procedures in support of the Bank’s credit and financial goals.

Duties & Responsibilities

1. Assist and support the Consumer Financing Manager in all affairs related to consumer financing applications.
2. Follow the annual goals of the branches in according to the Consumer Banking credit plan and goals.
3. Assisting in guidance and training to other officers of the bank engaged in lending activities at the branches to insure the smooth process and safety of the credit portfolio.
4. Monitoring the overall credit/financing process of the branches including staff knowledge, process streamline, targets vs achievements.
5. Review, analyze, appraise and process of loans/financial applications.
6. Review and analyze new, renewal or extended cases of all loans in considerate for approval with the exception of consumer loans. 
7. Review the monthly progress report and feedbacks from all branches.
8. Review and monitor the branches daily and weekly reports and ensure that branches are sending their reports on-time and conduct review meeting with Consumer Financing Manager and Head of CB to discuss the gaps and challenges which branches facing and find the alternate solutions
9. Communicate with all back office and middle office departments and ensure that challenges that branches are facing are solved in the basis of internal SLA.
10. Ensure that all credit proposals are properly submitted to back office departments for further process
11. Ensures that Credit Committee guidelines concerning administrative handling of specific transactions and credit facilities are implemented.
12. Oversee the activities of Consumer Financing unit of Consumer Banking in absence of Consumer Financing Manager. 
13. Responsible for credit products sales and marketing activities and customer visits on need basis.
14. Assisting in credit collection and recovery follow up process
15. Any other task assigned by the supervisor
16. Being able to be rotated to any other assigned task and location

Job Requirements

EDUCATIONAL QUALIFICATIONS       

-      Bachelor degree in Economics/Business/Finance (Master degree holder is preferred)

-      Relevant field certification (Preferred)

RELEVANT EXPERIENCE

-      At least 2 years’ experience in the banking sector / minimum 1 year (relevant field experience)

SKILLS & COMPETENCIES:

-      Ability to read, understand and analyze financial statements

-      Communication skills, Analytical skills, Understanding of Financial/Banking products and services.

-      Proposal writing skills

-      Professional English writing skills

-      Advance Excel/Credit Scoring skills

-      Negotiations and management skills 

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/recruit/ViewJob.na?digest=t5jvgUndbTT0kJQ8z0hxAvKTc69QjYVJU@6serHUGOM-&embedsource=CareerSite

Short-listed candidates whose applications respond to the above criteria will be contacted for written test and 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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