The First Microfinance Bank – Afghanistan (FMFB-A) started its operation in 2004 and is part of the Aga Khan Agency for Microfinance (AKAM), which has financial institutions operating in over 15 countries throughout the developing world.

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 SME Manager in arrangement of Credit Committee agenda, approval of files and any other tasks related or assigned to him by his direct manager.

The SME Credit Analyst will have responsibilities that include:

• 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 SME Manager in ensuring that the credit components of the Loan product programs are properly followed.
• Helps the SME 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 SME 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 SME Manager.
• Manages all the responsibilities of the SME Manager in his absence.

Job Requirment

• Bachelor degree in Business Administration and Economic or related to the field, with two years of experience or baccalaureates with three years of experience.
• The experience should be related to the field and similar to the position or experience in any areas of marketing, product management, credit or risk assessment, field work, training and 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.
• Have good communication skill and presentation skill. 
• Have computer office package skill, calculation skill and analysis skill.
• Good command of local languages and English.
• Good computing and accounting skill. 

Submission Guideline

• If you meet the above requirements, we are encouraging you to apply for this position. Please send us your CV along with a cover letter via email at (vacancies@fmfb.com.af).
• Please make sure that your email includes the vacancy ID as the subject line.
• Note that, only the candidates who are meeting the requirements of the position will be shortlisted.

• For more information, Please visit the FMFB-A website: https://www.fmfb.com.af/careers.

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Country

Afghanistan

City

Kabul

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