Financing Expert

Role summary Description The Islamic Financing Expert Officer is responsible for marketing and finding new clients for OXUS AFGHANISTAN , as well as conducting business appraisals to determine their eligibility for financing. The role includes maintaining a high-quality portfolio by ensuring the viability of financing provided and actively managing client relationships. خلاصه وظیفه: مسئولیت مامور تمویل مالی اسلامی بازاریابی و جذب مشتریان جدید برای اکسس افغانستان است و همچنان ارزیابی تجارت مشتریان به منظور واجد شرایط بودن آنها برای تامین مالی میباشد. این وظیفه شامل حفظ یک پورتفولیوی با کیفیت بالا، و نیز اطمنان از تمویل مالی ارایه شده، مدیریت فعال و نگهداری روابط با مشتریان میباشد Duties and responsibilities Marketing and Client Acquisition Identify Potential Clients: a) Conduct market research to identify and target potential clients for Oxus’s financing products. b) Develop and implement marketing strategies and campaigns to attract new clients. c) Network with business communities, attend industry events, and engage in outreach activities to build client leads. Client Engagement: a) Engage with prospective clients to understand their financing needs and explain Oxus’s financing solutions. b) Assist potential clients through the initial stages of the financing application process. c) Gather preliminary information to assess the feasibility of prospective client businesses. Promotional Activities: a) Prepare and distribute promotional materials. b) Utilize digital marketing tools and platforms to reach potential clients. Business Appraisal and Financing Conduct Detailed Business Appraisals: a) Collect and analyze detailed information on potential clients’ businesses, including financial statements, business plans, and guarantees. b) Assess the credibility, viability, and risks associated with potential clients’ financing applications. c) Perform due diligence to ensure that business plans and financial projections are realistic and that the proposed financing terms are suitable. Application Processing: a) Ensure all financing application forms are completed accurately by clients, with a focus on the correct completion of the Business Profile. b) Assist clients in providing necessary documentation and clarify any aspects of the financing application process. Decision-Making Support: a) Present findings and opinions during financing committee meetings to aid in the decision-making process. b) Participate actively in credit committee discussions at the branch level. Client Relationship Management: a) Oversee the opening of financing accounts for approved clients and manage ongoing client relationships. b) Conduct regular site visits to monitor clients' business performance and adherence to financing agreements. Compliance and Follow-Up: a) Ensure timely repayments by maintaining accurate records of repayment schedules. b) Follow up with clients to remind them of upcoming payments and address any potential issues promptly. c) Coordinate with the recovery team to manage delinquent clients and initiate necessary recovery actions. Coordination and Reporting Collaborate with Internal Teams: a) Work closely with the Financing Administrator, Branch Manager, and recovery team to maintain portfolio quality and manage risks. b) Provide regular updates and reports on client acquisition activities and business appraisals. Legal and Compliance: a) Handle the processing of legal complaint notices for delinquent clients in coordination with the recovery team. b) Ensure compliance with Oxus’s policies and regulatory requirements in all financing activities. Job requirements Education: High School graduated preference for Bachelor Degree Work Experience: Prior experience in Microfinance sector and Banks as Financing Expert. Skills: Basic spoken and written English, strong spoken and written in local languages ( Dari and Pushtu), familiarity with computer and strong negotiating and good communication skills.