Individual (SME) Lending Manager

About FINCA Afghanistan

Job Summary

The individual (SME)Lending Manager is responsible for directing and daily management of FINCA Afghanistan’s complete cycle of individual Lending activities as well as other activities related to operations, including staffing. Products and procedure He/she will approve larger-sized loans in a credit committee context and will ensure that F/Afghanistan’s SEL and BMA activities are maximally competitive, with excellent portfolio quality. Contributing significantly to F/Afghanistan’s profitability that individual Lending activities are implement in a most efficient client-friendly. Safe and professional manner; and that F/Afghanistan has both SEL & BMA staff (loan officers, credit Management staff, credit back office staff and other ) in adequate numbers and with excellent skills .

Duties & Responsibilities

1.Supervise and develop all SEL and BMA staff which includes SEL Regional Credit Coordinators.
2.Manage the development and implementation of SEL product, and refine the BMA product.
3.Develop procedure and ensure compliance as per Afghanistan Law of SEL and Afghan as well as sharia law for the BMA product.
4.Train Staff the implementation of the SEL product policies and procedures in order to enhance the knowledge and implementation of policies and procedures.
5.Manage portfolio quality and carry out analysis to minimize risk in line with FINCA Afghanistan’s credit policy.
6.Conduct for formal and informal performance Evaluation of the Branches and credit Staff.

1.Management of IL Staff 20%

-Hiring the necessary IL staff in coordination with the COO.
-Supervision IL staff
-Providing on the job mentoring and training to ensure the improvement of capacity within credit staff.
-Creating job satisfaction and motivation for staff through various motivational mechanisms, such as
Career development paths
Mentoring and Training
Implementation of bonus schemes
Promoting a healthy work environment; building mutual respect, understanding, trust and cooperation among staff members.
Strengthening the “ sense of team and commitment to the mission with the organization.

2.Products (15 %)

-Development/modification of individual credit products in coordination with the COO and with the approval of the MB
-Implementation of new products
-Collection of filed feedback on the performance of the product
-Pursue regular credit policy review and an amendment to ensure the product meet the needs of the clients, matches competitions and allow achievement of the organizations objective and profitability.

3.Procedure and Compliance (15%)

-Organizing efficient and safe front office procedures, including (but not limited to)
Client acquisition
Credit analysis
Credit decision-making process, including credit committee
Loan processing
Loan disbursement and loan repayment process, including efficient and safe cash management
Arrears management
-Analyze existing procedure for adequacy and make changes, if necessary and ensure implementation
-Provide delinquency monitoring reports, report all the late repayments, explain the causes of the arrears, and explain what action is being taken and when repayments are expected to recover. Provide solid control on repayment slips and ensure that there is zero tolerance fraud in any stage.
-Assist COO, CSs and BMs with follow up procedures on arrears including spot checking business, meeting with groups and contacting authorities if necessary.
-Report all branches methodology by clients, Cos or CS to the MB.
-Identify cause of the breach and recommended and response to the RM (information, training disciplinary action, etc.)
-Verify that all paper work is in order; loan applications and agreements contain all necessary signatures and all aspects of the Loan Application and properly documented.

4.Training (20 %)

-Under the supervision of COO, facilitate the sharing of best practices, systems, policies procedures and documentation between regions.
Conduct a TNA to identify weaknesses and respond to the training needs accordingly
-Develop capacity building and training programs for the field staff together with the training officer to address performance drops in the filed.
-Ensure that all credit officers and supervisors can explain the products/programs and the benefits to clients.
-Provide both class-room and on the job training
-Stimulate and motivate the credit department to achieve the goals of FINCA. Help the RMs draft graphical chart to track FINCA IL progress and statistics.

5.Portfolio Quality (15 %)

-Develop capacity to perform credit risk analysis so as to ensure a very clean portfolio with low PAR as per budget and credit policy.
-Set up the credit committee process and develop skills to ensure good decisions are made during credit approvals
-Conduct regular exposure (both sector and individual concentration) analysis in order to mitigate the credit risks associated with over exposure
-Implement, if needed design a delinquency management process for loans in arrears and develop and early warning system for early intervention in the credit risk management.

6.Evaluation and staff Appraisal (15%)

-In coordination with the COO goals (numeric and non-numeric) should be established for each of this staff, in line with our performance management standard
-Perform performance evaluation of all direct reports within the credit department as per the personnel policy, provide input in improving performance, and develop performance improvement plans.
-Review the Regions implementation of management visits and the internal Audit department’s recommendations are in t line with the credit policies and procedures.

Job Requirements

-4 years experience minimum in banking or microfinance as a manager of IL (SME) operations or as branch manager of significant branch
-Experience in development and implementing individual lending operations for financial institutions - Excellent organizational, planning, analytical and problem-solving skills. - High level of customer service and strong willingness to work in the filed . -Strong business management and negotiation skills. - Experience managing and motivating staff. - Excellent interpersonal, communication and training skills. - Report writing skills and computer literacy. - Fluency in local languages, working knowledge of English. -Availability domestic travel (50%)

Submission Guideline

Candidates should submit CV and cover letter to hr@fincaaf.org
In the subject line of the e-mail, please put Position Title, that you are applying for; otherwise your application will NOT be considered.
Only shortlisted candidates will be contacted for interviews. No telephone inquires please.
“Depending on the number of applications received, resumes may be accepted after the deadline”

Functional Area

Banking

Countries

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