SME & Corporate Credit Analyst

About FMFB-A:

As a background, FMFB-A started its operation in 2004 and is part of the Aga Khan Agency for Microfinance (AKAM), which has financial institutions operating in different countries throughout the world. It is affiliated with the Aga Khan Development Network (AKDN), a group of development agencies working in health, education, culture and rural economic development.

Job Summary: 

Responsible for management and arrangement of all SME & corporate credit files at head office level and review of the financing file documentation. Does detailed check of financing appraisals making sure all credit components, rules and procedures are followed accurately. Helps SME & Corporate Manager in arrangement of Credit Committee agenda, approval of files and any other tasks related or assigned to him by his direct manager.

Job Details:

Position’s Duties and Responsibilities:

• Makes sure the hard loan files/required documents are complete for CC.
• Conducts review of documents making sure the documents are accurate.
• Manages/arranges the loan files “copies” at head office level.
• Makes verification visits to the field to verify the data collected by loan officers.
• Make surprise visits to the field to verify the inconsistencies in file and clarify the issues.
• Make visits to the field along with loan officers to supervise them in doing monitoring.
• Helps the SME & Corporate Manager in ensuring that the credit components of the financing product programs are properly followed.
• Helps the SME & Corporate Manager in ensuring proper, prudent and conservative credit analysis is done and independently verified on each proposal and that all Policy requirements have been met.
• Enforce strict credit discipline on client loan applications completed by the Financing Officer; and ensure that proper field credit operations are followed.
• Reviews the monitoring forms to identify the risks along with SME & Corporate Manager and suggests steps for mitigation.
• Helping Financing Officers resolve any financing application problems with customers as they are encountered.
• Helps the Credit Risk Manager to manage the Credit Committee Agenda for credit submissions, ensure all proposals are complete, accurate, and meet Policy standards.
• Helps the Credit Risk Manager in strengthening Financing Officers capacity by highlighting SME finance best practices.
• Maintains close working relationship with ACSP.
• Conducts any other tasks assigned by the SME & Corporate Manager.
• Manages all the responsibilities of the SME & Corporate Manager in his absence.

Job Specification:

• Bachelor degree in Business Adminstration, Economic or related to the filed, with three years of experince or Associate Degree (College Degree) with four years of experience.
• The experience should be related to the field and similar to the position or experience in any areas of MFI and banking, marketing, product management, credit or risk assessment.
• Analytical and negotiation skills.
• Have good communication skill and presentation skill. 
• Have computer office package skill, calculation skill and analysis skill.
• Good command of local languages and English.
• Good computing and accounting skill.
• Proven in depth knowledge of local markets, economy and business cycles.
• Specific knowledge of self-employment challenges or hurdles, or previous self-employment in any industry is considered a “plus”.

Submission Guideline:

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 at (vacancies@fmfb.com.af).

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