Credit officer - re-announced (jalalabad branch)

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

Educational Qualifications:

Bachelor degree in Economics/Accounting/Finance/Business Administration, Islamic banking. (Master degree holders will be preferred).

Islamic knowledge and certificates (preferred)

Relevant 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.