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Credit Officer at AIB

Jalalabad, Nangarhar Province, Afghanistan -

Full Time

Start Date

Immediate

Expiry Date

17 Oct, 26

Salary

0.0

Posted On

19 Jul, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Proposal Writing, Accounting, Financial Statement Analysis, Time Management, Microsoft Office, People Management, Financial Analysis

Industry

Banking

Description

Major Responsibilities: - Acquisition of customer for potential financing in line with the business targets and risk appetite of the bank, including microfinance, SME and corporate. - Ensuring that the customer needs are fully understood and matching solution/production is offered - Ensuring the credit appraisal and collateral assessment is conducted in line with the bank’s policies and procedures - Ensuring that all relevant evidences are obtained as required for appraisal of the customer - Liaison with relevant external and internal departments to ensure that all supporting activities are completed such as evaluation of collateral, securing legal opinion and mortgages etc. - Ensuring quality of credit to avoid delinquencies and issues in credit portfolio - Ensuring close liaison with the Branch Manager to ensure all requirements are in place and duly discussed and vetted with the branch manager. - Ensure continuous relationship with the customer - Ensure continuous monitoring of the customer business performance and related market developments which can affect the customer business - Ensure that all processing is compliant to the rulings or sharia - cross selling of other bank’s services to the customer - Post disbursement follow up with the customer - Any other assignment as given by the line manager. Requirements Education: - Bachelor degree in Economics/Accounting/Finance/Business Administration, Islamic banking. (Master's degree holders will be preferred.) Islamic knowledge and certificates (preferred) Experience: At least 2 years’ experience in credit, customer relations, recovery and collection agencies, banks and financial institutions Skills & competencies: · Proficient in writing proposals · Sound knowledge of accounting and financial statements · Efficient time management. · Good knowledge of Microsoft Office (Word, Excel, and Power point) · People management. · Financial analysis skills

Responsibilities

Responsible for acquiring customers for microfinance, SME, and corporate financing while ensuring credit appraisals align with bank policies. The role involves monitoring customer business performance, managing collateral assessments, and ensuring Sharia compliance.