SME Credit Analyst

About The First Micro Finance Bank

Job Summary

Responsible for management and arrangement of all SME credit files at head office level and review of the loan file documentation. Does detailed check of loan appraisals making sure all credit components, rules and procedures are followed accurately. Helps Credit Risk Manager in arrangement of Credit Committee agenda, approval of files and any other tasks related or assigned to him by his direct manager.

Duties & Responsibilities

MAIN RESPONSIBILITIES AND TASKS

Makes sure the hard loan files/required documents are complete for CC.
Conducts review of documents making sure the documents are accurate.
Manages/arranges the loan files “copies” at head office level.
Makes verification visits to the field to verify the data collected by loan officers.
Make surprise visits to the field to verify the inconsistencies in file and clarify the issues.
Make visits to the field along with loan officers to supervise them in doing monitoring.
Helps the Credit Risk Manager in ensuring that the credit components of the Loan product programs are properly followed.
Helps the Credit Risk Manager in ensuring proper, prudent and conservative credit analysis is done and independently verified on each proposal and that all Policy requirements have been met.
Enforce strict credit discipline on client loan applications completed by the loan officer; and ensure that proper field credit operations are followed.
Reviews the monitoring forms to identify the risks along with Credit Risk Manager and suggests steps for mitigation.
Helping LO resolve any loan application problems with customers as they are encountered.
Helps the Credit Risk Manager to manage the Credit Committee Agenda for credit submissions, ensure all proposals are complete, accurate, and meet Policy standards.
Helps the Credit Risk Manager in strengthening LO capacity by highlighting SME finance best practices.
Maintains close working relationship with ACSP.
Conducts any other tasks assigned by the Credit Risk Manager.
Manages all the responsibilities of the Credit Risk Manager in his absence.

Job Requirements

SPECIFICATIONS (MINIMUM REQUIREMENTS)

College coursework in an appropriate academic field such as finance, economics, business administration, accounting or statistics is preferred.
Experience in any areas of marketing, product management, credit or risk assessment, field work, training & sales.
Completion of a formal credit analysis training program, maybe in-house.
Two years minimum microfinance loan officer experience or equivalent.
Analytical and negotiation skills.
Strong communication skills
Excellent local language skills as well as spoken and written English.
Proven in depth knowledge of local markets, economy and business cycles.
Specific knowledge of self employment challenges or hurdles, or previous self employment in any industry is considered a “plus”.
Adequate computer skills as normally required by the Bank.

Submission Guideline

Interested (Afghan Nationality) candidates, who meet the mentioned requirements, are encouraged to submit their update resumes/CVs, FMFB employment application form and a Cover letter expressing their candidacy to The First Micro Finance Bank, Human Resources Department, 3rd Floor, Park Plaza, beside Shar-e-Naw Pump Station, Shar-e-Naw Road, Kabul, Afghanistan Electronic applications with completed FMFB Employment Application Form (available in www.acbar.org - Downloads option) and update Resumes/CVs and a covering letter should be addressed to najmuddin.amiree@fmfb.com.af no later than End of Februay, 2012 The Subject for online applications must be: (2-12/SME CA/HO/030) or your applications will not be considered. Only short-listed candidates meeting the requirements of the post will be contacted after the expiry of the deadline. If an Active Employee of AKDN sister Organization wishes to apply an FMFB positions he/she must share the issue with, and obtain NOC (No Objection Certificate) from his/her current employer in advance and attach it to his CV/Applications. Failure to do so disqualifying him/her for consideration as candidate.

Functional Area

Banking

Countries

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