SME Loan Officer

About The First Micro Finance Bank

Job Summary

Duties and Responsibilities
The incumbent of the position is responsible for developing and managing a portfolio of loans for small and medium entrepreneurs

Duties & Responsibilities

Duties and Responsibilities
The incumbent of the position is responsible for developing and managing a portfolio of loans for small and medium entrepreneurs

KEY RESPONSIBILITIES AND TASKS

1. Recruits new clients.
2. Explains the loan process to potential clients and verifies clients’ eligibility for a loan.
3. Carries out risk assessment by collecting detailed information on each client through meetings and filed visits (home, business, suppliers, customers, guarantors, community …) and does loan appraisal (financial analysis, repayment capacity, duration of loan, collateral, etc).
4. Updates required data in emerge.
5. Prepares loan Appraisal report for loan committee meeting. Collects and/or fills the documents for guarantees.
6. Presents the loan at the loan committee meeting and informs the client of the loan committee’s decision.
7. Checks the proper use of the funds disbursed.
8. Monitors the loans including periodical site visits and checks that repayments are made on schedule.


9. Reports clients to his supervisor when repayments are late and contacts clients and arranges repayment.
10 Ensure full compliance with relevant/prevailing FMFB policies/procedures; and full alignment with the audit recommendations

Job Requirements

Qualifications

SPECIFICATIONS (MINIMUM REQUIREMENTS)
- High school education.
- Good understanding of the business activity, in Market.
- Ability to communicate and to maintain good relations with the clientele.
- Good presentation and a courteous attitude.
- Proactive.
- At ease with counting and basic financial / accounting issues.
- Ability to work confidentially.

WORK EXPERIENCE: At least two years experience in the trade field.

SKILLS: Reasonable command of spoken and written English,
Computing skills, and demonstrated negotiating and
Communication skills.

PERSONAL TRAITS: Good understanding of business process; ability to communicate and to maintain good relation with the clientele; good presentation skills and excellent courteous attitude; social concern; ability to work in confidentiality; ability to work in the field and to use a motorbike; at least 30 years of age; and a good and sufficient understanding of the people of the target community.

Submission Guideline

Submission Guideline

Interested (Afghan National) candidates, who meet the above-mentioned requirements, are encouraged to submit their completed FMFB application form along with update Resumes/CVs and a cover letter expressing their candidacy to:

The First Microfinance Bank Herat Branch #1, Opposite ICRC Sub – Delegation Office,
Bank –e- Khoon Street, Herat Afghanistan.

or
FMFB Herat Branch #2, 1st Floor, Previous Asayesh Hotel, Khawja Takery Spenadai, Hirat, Afghanistan.

Electronic applications with completed FMFB application form (available in www.acbar.org, click on Downloads and search for “FMFB Job Application Form”) and update Resumes/CVs and a covering letter should be addressed to vacancies@fmfb.com.af no later than December 7, 2010.

Your applications without the FMFB employment application form, CV and a covering letter will not be considered for short listing.

The subject for online applications must be; “SME LO/B 8300/083” or your applications will not be considered.

Only short-listed candidates meeting the requirements of the position 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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