Financing Officer (Loan Officer)

About Mutahid Development Finance Institution

Mutahid (meaning United in local language) Development Finance Institution (MUTAHID) was established on April 1, 2011 and initially three MFIs namely Microfinance Agency for Development and Rehabilitation of Afghan Communities (MADRAC), Parwaz Microfinance Institution (PARWAZ) and Mofad Microfinance Company (MOFAD) were consolidated. Later on, three additional MFIs namely Women for Women International Microfinance Afghanistan (WWI), Ariana Financial Services (AFS) and ChildFund Afghanistan Microfinance Limited (CFA MF) consolidated into MUTAHID. The creation of MUTAHID was an opportunity to combine the best components of these consolidating institutions and to preserve the significant investments made over the last few years, to create one larger, stronger and sustainable, best practice MFI based on the core principles of ethics, ideas and hard work while incorporating the lessons learned from the past. Microfinance Investment Support Facility for Afghanistan (MISFA) is supporting MUTAHID directly by providing direction, capacity building and financial resources and while a division of MISFA is run as a separate autonomous operating entity. The management of MUTAHID is ensuring the orderly and judicial transfer of good clients, quality staff and assets of the consolidating institutions.

Job Summary

The Financing Officer is responsible for explaining financing products and eligibility for financing to customers, developing a client acquisition plan, conducting field visits for financial analysis, meeting monthly financing targets, growing the outstanding portfolio, and ensuring compliance with Islamic Financing requirements.

Duties & Responsibilities

• Explain to customers the different types of financing options that are available, as well as the terms of those services.
• Identify and train potential clients on MUTAHID Financing methodologies.
• Develop a work plan for attracting clients in the geographical area assigned to the financing officer.
• Advertise and promote Mutahid’s Financing products to potential clients
• Field visit to analyze applicants' financial status, credit, and property evaluations to determine the feasibility of granting Financing.
• Achieve Monthly Financing targets set by operation department
• Outstanding portfolio growth while maintaining a good healthy Portfolio
• Maintain good relations and focus on the needs of existing clients
• Manage and be responsible for the recovery of the given financing from clients, through on-time follow-up and make sure the client has deposited his/her repayment to the branch cashier.
• Provide clients with information on Murabaha policy/procedures of Mutahid DFI
•  Monitoring of the existing clients and report any deficiencies to the branch management.
• Ensure there are no violations in Sharia (Murabaha process)
• Perform any other task assigned by the line supervisor.

Job Requirements

Education and Qualification:

• Minimum High school diploma, University education in finance, retail banking.
• Field Experience an advantage
• Experience in private business, credit and trade

Other Requirements:

• Initiative, integrity, self-management, and ability to work
• Experience working in the field, bazaars, or markets an advantage
• Knowledge in social science or having some experience in social work
• Good communication skills and ability to work on a team
• Dari and Pashto fluency required; some knowledge of English is an advantage.
• Computer (MS Office) 

Submission Guideline

Interested candidates can send their CVs to ; vacancies@mutahid.org.af

Note: Candidates must write the position and reference number in the email's subject line. For Kabul (FO, Mutahid-KBL/036/2025), For Charikar (FO, Mutahid-PWN/37/2025)

Functional Area

Financial Accounting

Countries

Afghanistan

Provinces

Kabul

Parwan

Submission Email

vacancies@mutahid.org.af

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