Afghanistan’s most trusted bank since 2004, AIB delivers secure, transparent banking for individuals, businesses, NGOs, and government, aligned with international standards to drive growth, opportunity, and financial inclusion.

Job Summary

• Recruiter: Afghanistan Internatinal Bank (AIB)
• Degree: Bachelor's Degree
• Vacancies Number: 1
• Province: Qandahar
• Gender: Male
• Experience:⁦ 2+ years
• Deadline: ⁦⁦28 Sep, 2026⁩

The Credit Officer will have responsibilities that include:

Duties & Key Responsibilities:

1. Client Acquisition & Business Growth: Actively identify and acquire potential financing clients in alignment with the bank's operational targets and risk appetite across Microfinance, SME, and Corporate sectors.
2. Needs Analysis & Solution Matching: Assess client financial needs and structure suitable financing products and services that meet organizational and regulatory guidelines.
3. Credit Appraisal & Risk Assessment: Perform comprehensive credit appraisals and collateral evaluations in strict compliance with internal bank policies, risk management standards, and Sharia rulings.
4. Documentation & Legal Verification: Gather and verify all necessary supporting documents and evidence required for loan appraisal and approval.
5. Inter-Departmental Coordination: Collaborate with internal and external stakeholders—including legal experts and property appraisers—to secure legal opinions, evaluate collateral, and finalize mortgage procedures.
6. Portfolio Quality & Risk Mitigation: Maintain a high-quality credit portfolio by strictly vetting applications to prevent delinquencies and non-performing loans (NPLs).
7. Branch Manager Collaboration: Work closely with the Branch Manager to vet, discuss, and fulfill all operational and credit approval requirements.
8. Relationship Management & Market Monitoring: Maintain continuous engagements with clients, monitoring their business performance and relevant market trends that could impact repayment capacities.
9. Cross-Selling Services: Actively promote and cross-sell additional bank products and financial services to existing and prospective financing clients.
10. Post-Disbursement Follow-Up: Conduct regular post-disbursement reviews and follow-ups to ensure proper fund utilization and timely repayments.
11. Additional Assignments: Execute supplementary tasks as assigned by the supervisor or management line.

Job Requirment

Educational Qualifications:

• Academic Background: Bachelor’s degree in Economics, Accounting, Finance, Business Administration, or Islamic Banking from a recognized university. (Candidates holding a Master’s degree will be given preference).
• Specialized Knowledge: Academic or professional certificates in Islamic Banking and Sharia-compliant finance are highly preferred.

Work Experience:

• Minimum of 2 years of direct professional experience in credit analysis, customer relationship management, debt recovery, or loan collection within commercial banks or recognized financial institutions.

Required Skills & Technical Competencies:

• Financial Analysis: Sound understanding of accounting practices, balance sheets, and financial statement evaluation.
• Proposal Writing: Strong capability in drafting comprehensive credit proposals and financing appraisals.
• Software & Management: Proficiency in MS Office Suite (Excel, Word, PowerPoint), excellent time management, and strong interpersonal and people management skills.

Submission Guideline

Application Process:

Interested and eligible candidates can complete and submit their applications through AIB's official recruitment link provided below:

• Apply Link: https://aib.zohorecruit.com/jobs/Careers/584743000008371051/Credit-Officer-Re-announced?source=CareerSite

 

Country

Afghanistan

City

Qandahar

Submission Email

jobs@aib.af

Related Jobs