SME & Corporate Islamic Financing Officer (Mandavi, Koti Sangi, Herat and Pulikhumri Branch)

We are seeking to recruit a highly motivated 'SME & Corporate Islamic Financing Officer to join us who possesses excellent business development skills with a hunger to succeed. Reporting to the SME Sales Manager, the aim of this role will be to spearhead financing client acquisition for the branch and to originate quality financing of up to $250,000 (AFN 15 MN) for medium and high-income borrowers, attract commercial customer and able to cross-sell FX, Deposits, BGs, Payrolls and LCs. With a positive attitude in everything, you do and every relationship you build, you will be passionate about assisting clients with their financial needs through appropriate financing products. More importantly, you will ensure that the customer gets the right financing / banking needs, at the right price, for the right purpose. Obviously, cash flow analysis, repayment capacity assessment, and collateral management is all part of the job. Do not worry, we provide extensive and excellent training programs to ensure that you are able to fulfil your job requirements.

• The Financing Officer role is multi-faceted.

• Recruiting new clients; assessing customer needs, introducing different types of Islamic financing and banking product.

• Explaining the Islamic financing process to potential clients and verifying clients’ eligibility for a financing.

• Going and satisfaction throughout the underwriting process.

• Interviewing applicants to determine financial eligibility and feasibility of granting financing and finding applicants' banking needs.

• Carrying out risk assessment by collecting detailed information on each client through meetings and field visits (home, business, suppliers, customers, guarantors, community) and financing appraisal (financial analysis, repayment capacity, tenure, collateral, etc.).

• Updating the required data in the Bank's Financing Management System.

• Preparing Financing Appraisal Report for Credit Committee meeting; collecting and/or filling documents for guarantees.

• Checking the proper use of the funds disbursed.

• Financing monitoring including periodic site visits and ensuring timely repayments.

• Going the “extra mile” to build relationships, and customer loyalty.

• Operating in compliance with relevant/prevailing FMFB policies/procedures; and full alignment with the audit recommendations.

Education & Experiences:

• Having bachelor degree in business administration or economic, finance and accounting or law or any other qualification related to the position fields.

• Candidate should have at least 3 years of experience related to the field in Banking and Microfinance institution or 5 years’ experience in sales and marketing.

Skills:

• Well articulated in the predominant local language of the area in which she/he works; good communication, negotiation, and presentation skills; good understanding of the business process; good understanding of the business-related laws/regulations of the government; good understanding of the business potential in the area in which s/he works; and good level of familiarity with the population of the area in which s/he works. 

Personal Traits:    

• Belief in, and commitment to establishing and maintaining good relations with the clientele; being tactful and courteous; social concern and sensitivity to the culture/traditions of the area of his / her engagement; belief in, and in practice promoting professional confidentiality; enthusiasm in the job, specifically in working in the field with clients; being mature and self-disciplined. 

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 (vacancies@fmfb.com.af).

Please make sure that your email includes the vacancy ID as the subject line.