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 o ther assignment as given by the line manager.

### Requirements
Educational Qualfications:

- 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 & Competeinces:

- 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