5 “Deputy SME Team Leader” Vacancies by Afghanistan’s First Microfinance Bank

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  • Afghanistan View on Map
  • Apply Before : January 30, 2021
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Opportunity Details

  • Degree Non Degree Program/Certificate
  • Language Requirement Not Required
  • No. of Opportunity 5
  • Opportunity Type : Fully Funded
  • Duration Permanent
  • Gender Male
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Opportunity Description

About the First Microfinance Bank of Afghanistan (FMFB-A):

The First Microfinance Bank – Afghanistan (FMFB-A) is a section of the Aga Khan Agency for Microfinance (AKAM), which implements programs in over 10 countries throughout the developing world. FMFB-A’s vision is to be recognized as the leading microfinance services provider contributing to poverty mitigation and economic development through the delivery of sustainable financial services mainly targeting micro/small businesses and households.

Job Details:

Position Title:                SME Team Leader

Employment Type:          Full-time

Nationality:                      National

Job Location:                   Kabul, Herat, and Mazar

Category:                         Business Administration

Salary:                             According to the bank salary scale

Vacancy #:                      Varying as per each province (see below)

Organization:                  The First Microfinance Bank of Afghanistan (FMFB-A)

Gender:                           Male

Years’ of experience:     1-3 years

Contract duration:           Permanent

Closing date:                  January 30, 2021

Job summary

The Deputy SME Team Leader is responsible for observing the work of SME loan officers in the branch and field in terms of loan production, loan processing/assessment, and marketing to gain the target with high quality of the portfolio.

Job Description:

Duties and responsibilities

  • Check initial loan requests and assist loan officers with ascertaining the eligibility of clients.
  • Assist loan officers in loan production.
  • Manage and direct Loan Officers to earn monthly/annual production targets.
  • Deliver training, coaching and guidance to loan officers on the field.
  • Assist loan officers in delinquency collection/management.
  • Assist loan officers to keep existing clients and market for new prospective clients.
  • Work closely with Production, Credit, and Compliance Managers to do a comprehensive financial analysis and risk assessment to set appropriate loan amounts and terms.
  • Conduct thorough business verification risks identification, and propose risk mitigation techniques to decrease possible credit risks.
  • Visit and endorse loan collaterals and evaluate the values and validity of the title deeds.
  • Respond to customer requests in an appropriate and professional manner.
  • Conduct LUM of disbursed loans in a timely manner.

Verification of Credit Applications:

  • Perform risk identification/verification of credit applications and find solutions to reduce risks.
  • Verification of title deeds validity.
  • Crosscheck of loan contracts/documents.
  • Follow up on the action proposed by the delinquency committee on delinquent customers.
  • Review loan agreements and ensure the accuracy of the contracts before disbursement.

 Target Achievement:

  • Ensure the team target is met on a monthly and annual basis.
  • Make primary checks and assign the loan requests to loan officers considering the geographical location of clients to loan officers.
  • Prepare pre-CC/screening for making recommendations on the loan for SME Credit Manager/Credit Committee.

Key Performance Indicators (KPIs):

  • To achieve monthly/annual SME disbursement target.
  • To achieve monthly/annual SME outstanding target.
  • Reduce the PAR rate in the SME portfolio.
  • Risk specification and risk mitigation.
  • Making pre-CC sound recommendations/decisions on credit files during verifications.
  • Fraud identification especially pre-disbursement.

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Job Requirements

Education and Qualifications

  • Bachelor’s degree is necessary but a higher degree is proffered.
  • University coursework in an appropriate academic discipline such as finance, economics, business administration, accounting or statistics is preferable.
  • Completion of a formal credit analysis-training program.
  • Robust communication skills with the ability to communicate directly with field staff & customers.
  • Outstanding local language skills as well as verbal and written English.
  • Excellent computer skills as normally required by the Bank.
  • Proven leadership and coaching/mentoring experience.
  • Strong knowledge of accounting and loan fraud prevention techniques and prevention/mitigation strategies thereof.
  • Integrity, Solution-Oriented Analysis, Good Decision-Making, Relationship Building, Communicating Effectively and Promoting Team Work.

How to apply for these positions?

The bank encourages eligible applicants to apply by sending their CVs including a cover letter to the given email address below.

Do mention the below.-mentioned vacancy number in the subject line of the email. Please note that only those meeting the criteria will be short-listed.

Submission email: [email protected]

  • FMFB-HR-0006-2021    SME Relationship Officer   Kabul Region (2).
  • FMFB-HR-0006-A-2021  SME Relationship Officer Mazar Region (2)
  • FMFB-HR-0006-B-2021 SME Relationship Officer   Herat Region (1).
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