Financing Officer

Objective

The Financing Officer is responsible for managing the end-to-end financing process, including client screening, financing appraisal, financial analysis, documentation, disbursement follow-up, and portfolio monitoring. The role ensures that all financing activities are conducted in compliance with institutional policies, financing procedures, regulatory requirements, and risk management standards while maintaining high-quality customer service and strong portfolio performance.

Key Responsibilities

Client Screening & Assessment

• Conduct initial screening of potential clients to assess eligibility and business viability.
• Verify client identity, business activities, repayment capacity, and financing eligibility.
• Ensure compliance with KYC (Know Your Customer) and AML (Anti-Money Laundering) policies and procedures.
• Conduct field visits to validate client information and business operations.
• Assess client character, business stability, and financing needs.

Financing Appraisal & Analysis

• Prepare detailed financing appraisal reports, including cash flow analysis and risk assessment.
• Analyze client financial statements, income sources, household expenses, and repayment capacity.
• Identify financing risks and recommend appropriate mitigation measures.
• Recommend suitable financing products based on client needs and institutional policies.
• Present financing cases to the Financing Committee or approving authority when required.

Documentation & Processing

• Ensure complete, accurate, and properly signed financing documentation before submission for approval.
• Prepare and maintain financing files in accordance with internal policies and regulatory requirements.
• Coordinate with relevant departments and approving authorities for timely financing approval and disbursement.
• Maintain proper filing and record-keeping of all financing documents and client information.

Portfolio Management

• Monitor active financing portfolio for repayment performance and delinquency risks.
• Conduct regular client visits to ensure proper utilization of financing funds.
• Follow up on overdue payments and initiate recovery actions when necessary.
• Maintain portfolio quality indicators within acceptable institutional standards.
• Support collection and recovery activities in coordination with branch management.

Client Relationship Management

• Build and maintain strong relationships with clients and local communities.
• Provide basic financial guidance and business advisory support to clients.
• Promote institutional products and services to potential and existing clients.
• Support client retention and customer satisfaction initiatives.

Reporting & Compliance

• Prepare daily, weekly, and monthly financing activity reports for branch management.
• Ensure full compliance with internal financing policies, operational procedures, and regulatory frameworks.
• Report suspicious activities, fraud indicators, or financing risks to branch management immediately.
• Support internal and external audit requirements when requested.

• Bachelor’s degree in Economics, Finance, Business Administration, or a related field (preferred).
• Minimum 1–2 years of experience in microfinance, banking, or financing operations.
• Strong knowledge of financing analysis, cash flow evaluation, and financial documentation.
• Familiarity with microfinance operations and Islamic financing principles is an advantage.
• Good communication, negotiation, and interpersonal skills.
• Ability to work under pressure and achieve portfolio performance targets.
• Willingness to conduct regular field visits.

Skills & Competencies

• Analytical and problem-solving skills.
• Strong attention to detail and accuracy.
• Integrity and high ethical standards.
• Customer-focused mindset.
• Fieldwork readiness and adaptability.
• Basic computer skills, including MS Excel, MS Word, and core banking systems.

Key Performance Indicators (KPIs)

• Portfolio at Risk (PAR) performance.
• Financing repayment and collection rate.
• Portfolio growth and quality.
• Accuracy and completeness of financing documentation.
• Timeliness of financing processing and financing.
• Client retention and satisfaction level.
• Compliance with institutional policies and procedures.

If you have the expertise to take on this exciting opportunity, please apply online by filing the form no later than 31-Oct-2026.

https://docs.google.com/forms/d/e/1FAIpQLSfB6KMTaMmiNDUrxKE6CkwlB941kbW9ErMUPwP5nSsnr8RrdA/viewform?usp=header

Applicants must complete all required fields and upload their CV maximum 3 pages. Incomplete applications or applications submitted after the deadline will not be considered.

Only shortlisted candidates will be contacted for further assessment.

https://docs.google.com/forms/d/e/1FAIpQLSfB6KMTaMmiNDUrxKE6CkwlB941kbW9ErMUPwP5nSsnr8RrdA/viewform?usp=header