Credit Officer - Kandahar Branch (2nd Re-announcement)

Major Activities

- 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 is 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's degree in Economics, Accounting, Finance, Business Administration & Islamic banking. (Master's 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