Credit Manager / Loan Officer

Position Title: Credit Manager / Loan Officer

2025-10-25 Kabul Full Time 5

Job Location:	Kabul
Nationality:	National
Category:	Finance
Employment Type:	Full Time
Salary:	As per Apex AMANAT Microfinance Services (AAMS) Salary scale
Vacancy Number:	AD_04_AAMS
No. Of Jobs:	1
City:	Kabul

Organization:	Apex AMANAT Microfinance Services (AAMS)
Years of Experience:	Minimum 3–5 years’ experience in credit assessment, loan management, or microfinance operations.
Contract Duration:	Contract is for 1 year, extendable based on performance, and reviewed annually.
Gender:
Education:	Bachelor’s degree in finance, Economics, or related field. -
Close date:	2025-10-25

About Apex AMANAT Microfinance Services (AAMS):

About Apex AMANAT Microfinance Services (AAMS)

Apex AMANAT Microfinance Services (AAMS), an impact-driven investment arm of the Rupani Development Initiative (RDI), is launching a new Microfinance Institution (MFI) in Afghanistan.

Job Descriptions:

Rupani Development Initiative (RDI) is looking for experienced professionals for its upcoming Microfinance Institution (MFI) in Afghanistan. The positions aim to build a strong management team to ensure effective operations, financial sustainability, and impactful service delivery.

General Responsibilities:
The Credit Manager / Loan Officer will assess loan applications, monitor repayment, and ensure the overall quality and integrity of the loan portfolio. This position plays a key role in supporting sustainable lending practices.

Responsibilities:

Assess client creditworthiness through thorough analysis of income, repayment capacity, and collateral (where applicable).
Approve or recommend loans within delegated authority, ensuring alignment with MFI policies and Sharia principles when applicable.
Monitor loan recovery, delinquency trends, and portfolio quality, implementing corrective measures as needed.
Guide and train field staff on credit assessment procedures, loan documentation, and client follow-up processes.
Maintain updated loan records and prepare reports on portfolio performance for management review.
Support financial literacy among clients to promote responsible borrowing and repayment practices.
Coordinate with the Operations Manager and Branch Manager to ensure portfolio sustainability and growth.

Job Requirements:

Education & Experience:

Bachelor’s degree in finance, Economics, or related field.
Minimum 3–5 years’ experience in credit assessment, loan management, or microfinance operations.
Experience in Islamic finance / Sharia-compliant lending is a plus.
Strong analytical and decision-making skills.
Strong English repoting skill
Fluency in English, Dari and Pashto languages.

Safeguarding Statement:
Apex AMANAT Microfinance Services (AAMS) maintains a zero-tolerance policy toward all forms of exploitation, abuse, and child maltreatment. The organization treats all concerns and complaints involving its employees and affiliated personnel with utmost seriousness. To uphold the highest standards of integrity and safety, all prospective candidates undergo rigorous background checks and screening procedures

Submission Guidelines:

Submission guidelines

If you have the expertise to take on this exciting opportunity, please apply online by sending your CV and motivation cover letter to hr@rupanifoundationaf.org and copy to info@rupanifoundationaf.org up to 25/10/2025. Please clearly indicate the position's vacancy number AD_04_AAMS in the subject of your email, otherwise, your application will not be considered.

Apex AMANAT Microfinance Services (AAMS) welcomes applications from all sections of the community and promotes diversity. Although all applications will be considered on their individual merit. Due to high volumes of applications received, we can only correspond with short-listed applicants. Should you not have received feedback on your application within four weeks of the closing date, please consider your application unsuccessful.