Afghanistan’s most trusted bank since 2004, AIB delivers secure, transparent banking for individuals, businesses, NGOs, and government, aligned with international standards to drive growth, opportunity, and financial inclusion.

Job Summary

• Recruiter: Afghanistan Internatinal Bank (AIB)
• Degree: Bachelor's Degree
• Vacancies Number: 1
• Province: Balkh
• Gender: Male
• Experience:⁦ 2+ years
• Deadline: ⁦⁦20 Oct, 2026⁩

Key responsibilities of Sales & Financing Officer (Mazar Branch):

. Sales Development, Client Engagement & Market Growth:

• Sales Strategy Execution: Formulate and execute target-driven sales plans to expand bank revenues and fulfill yearly business targets.
• Product Promotion & Client Acquisition: Promote AIB’s banking services across multiple channels to prospective and existing clients, delivering tailored presentations and networking.
• Market Research & Intelligence: Assist the Head of Sales with market research to identify growth opportunities and assess changing market demands.
• Cross-Departmental Collaboration: Coordinate with internal units—including Credit, Corporate & Business Banking (CIB & BCB), Marketing, Compliance, Operations, and E-Banking—to align sales efforts.

2. Financing Acquisition, Credit Appraisal & Risk Management:

• Borrower Acquisition: Onboard prospective microfinance, SME, and corporate financing clients aligned with AIB’s growth targets and risk appetite.
• Credit Analysis & Documentation: Conduct credit appraisals, evaluate collateral, and gather essential supporting documentation per bank policies.
• Legal & Valuation Coordination: Liaise with relevant internal and external bodies to oversee legal reviews, property valuations, and mortgage setups.
• Portfolio Quality & Sharia Compliance: Maintain high credit standards to prevent portfolio delinquencies, ensuring all financing processes comply strictly with Sharia principles.
• Branch Alignment: Work closely with the Branch Manager to vet financing proposals and verify compliance with all branch requirements.

3. Customer Relationship Management & Post-Disbursement Monitoring:

• Tailored Financial Solutions: Analyze customer purchasing behaviors and financial needs to deliver customized banking solutions.
• Customer Education & Advisory: Educate clients on bank offerings, explaining specific features, advantages, and service options.
• Relationship Continuity & Monitoring: Maintain ongoing customer relationships, continuously tracking client business performance and market developments.
• Post-Disbursement Follow-up: Perform routine post-disbursement check-ins with financing clients.
• Feedback & Records Management: Maintain accurate records of client interactions, transactions, and grievances; collect customer feedback to report to executive leadership.
• Additional Duties: Execute any additional business-related assignments directed by the Line Manager.

Job Requirment

• Bachelor’s Degree: Degree in Economics, Accounting, Finance, Business Administration, or Islamic Banking.
• Preferred Education: Candidates holding a Master’s Degree will be given preference.
• Islamic Certification: Knowledge of Islamic banking principles and relevant certificates are preferred.
• Relevant Experience: Minimum of 2 years of professional experience in sales, credit operations, customer relations, recovery/collection agencies, banks, or financial institutions.

Skills & Competencies:

• Proposal Writing: Proficient skills in writing proposals.
• Financial & Accounting Knowledge: Sound understanding of accounting procedures and financial statements.
• Financial Analysis: Strong financial analysis capabilities.
• Software Proficiency: Good working knowledge of Microsoft Office applications (Word, Excel, and PowerPoint).
• Management & Time Skills: Efficient time management and people management capabilities.

Submission Guideline

Interested individuals can apply online using the official application link:

• Application Link: https://aib.zohorecruit.com/jobs/Careers/584743000008523018/Sales-Financing-Officer?source=CareerSite

Country

Afghanistan

City

Balkh

Submission Email

info@aib.af

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