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| Credit Analyst | |||
|---|---|---|---|
| Country | Afghanistan | Province | Kabul, |
| Categories | Monitoring and Evaluation, | Type | Full Time |
| Post Date | 2023-01-02 | Close Date | 2023-01-14 |
| Vacancy No | SCSA LLC/2022/05 | Gender | male female |
| No Of Jobs | 1 | Contract Duration | Limited until 31st December 2023 (possibility of extension) |
| Education | Bachelor in Business Administration (BBA) - ACCA is preferable | Experience | Atleast 2 Years |
| Organization | Opportunities for you | Salary | As per company salary scale |
About Company
About SCSA: SME Client Support Afghanistan LLC (“SCSA”) is a consulting and service company registered with the Ministry of Commerce and Industries with its headquarter in Kabul. SCSA is fully owned by ACGF -Afghan Credit Guarantee Foundation (“ACGF”), a foundation with legal incorporation in Cologne, Germany. ACGF is a credit guarantee fund with the mission to improve access to finance for Afghanistan’s micro, small and medium-sized enterprises (“MSMEs”) by sharing the credit risk of the Afghan partner financial institutions (“PIs”) and by improving their MSME lending capacity with technical assistance (“TA”). ACGF has been founded in 2014 by DEG – Deutsche Investitions- und Entwicklungsgesellschaft mbH and by the German Ministry of Economic Cooperation and Development. Governed by a service contract concluded between ACGF and SCSA, SCSA provides a broad range of ancillary services in the context of ACGF’s credit guarantee and technical assistance operations. SCSA is a consulting company, not a financial institution, and it does not provide any financial services. SCSA does not have contractual relationships with the Afghan PIs; it acts as service provider to ACGF carrying out a range of various services, e.g. conducting market research on MSME finance, conducting training needs assessment, providing ongoing technical assistance to PIs (e.g. training-on-the-job and coaching of MSME credit staff), providing support services for the credit guarantee appraisal and guarantee claim appraisal, carrying out monitoring support for the guarantee portfolio and the compliance of the partner financial institutions, collecting various types of information for ACGF (market-, portfolio-, risk-relevant information) etc.
Job Description
The Credit Analyst supports SCSA and ACGF in achieving the business volume and guarantee portfolio quality objectives set by ACGF. The Credit Analyst carries out the regular site visits to SCSA and ACGF PIs and supported MSMEs. The Credit Analyst ensures a professional and cooperative relationship with the staff of PIs. As well, the Credit Analyst keeps up to date with the MSME market development in Afghanistan and supports SCSA and ACGF in business development initiatives.
The scope of work of the Credit Analyst covers the following specific areas:
- Conduct MSME field visits and verifications in context of new business and reports findings to SCSA Management and ACGF Operations Unit
- Conduct MSME field visits and verifications in context of portfolio monitoring and delinquency management activities and reports findings to SCSA Management and ACGF Operations Unit
- Conduct file verifications at PI premises and reports findings to SCSA Management and ACGF Operations Unit
- Acts as liaison between ACGF Operational team in Germany and PIs on all operational activities
- Acts as liaison between ACGF TA team in Germany and/or TA consultants and PIs on MSME financing product development, PI staff training, market research and related activities
- Contributes to PI TA needs assessment
- Monitor and report to SCSA Management and ACGF instances of non-compliance, lack of discipline, fraud etc. on the side of the PIs
- Monitor the integrity and compliance of the MSME credit operations of the respective PIs and contribute to initiatives of ACGF to improve compliance and performance of PI staff
- Support and train new SCSA SME Credit Analysts and contribute to their professional development
- Support ACGF Operations Unit in market research and relevant data collection
- Contributes to improving customer level service quality for PIs
- Other ad-hoc tasks as per instructions of SCSA Management
Job Requirement
- Academic background in business management, banking, accounting, economics or a related field ( ACCA and BBA-Finance preferred)
- Credit experience of at least 2 years
- Good knowledge of the Afghan financial sector
- Business mindset and good insight into issues of SME finance
- Excellent command of English and local languages
- Excellent Communication skills
- Excellent analytical skills and good reporting skills
- Good computer skills, especially Word, Excel and PPT
- Flexibility and mobility
- Ability to act on own initiative and to work confidentially
- Ability and willingness to do field work outside of the office and to travel throughout Afghanistan, if needed
Submission Guideline
Please apply online at https://acgf.bamboohr.com/careers/150 and include a 1-page cover letter, CV and three references
Please mention “Application for the position of “SME Credit Analyst (SCSA LLC/2022/05)” in the subject line of cover letter
Only shortlisted candidates will be contacted.