- Identify potential clients and promote Islamic microfinance products.
- Conduct pre-screening, KYC, and eligibility assessments.
- Analyze clients’ income, expenses, cash flow, and repayment capacity.
- Ensure all financing requests comply with Shariah and institutional policies.
- Prepare financing proposals and contracts (Murabaha, Musharaka, Mudaraba, etc.).
- Ensure complete documentation: IDs, guarantees, collateral, supplier invoices.
- Coordinate with suppliers for timely delivery of goods in Murabaha transactions.
- Monitor client’s post-disbursement through regular field visits.
- Ensure timely repayment of installments.
- Report and manage high-risk accounts, restructure or reschedule when necessary.
- Maintain a low Portfolio at Risk (PAR).
- Maintain accurate client files and records.
- Prepare daily, weekly, and monthly reports on disbursements, collections, and portfolio status.
- Report any Shariah non-compliance or operational issues.
- Educate clients about Islamic finance products.
- Resolve client inquiries and complaints promptly.
- Build strong community relationships to enhance client trust and outreach.
- Bachelor’s degree in Business, Finance, Accounting, Economics, or related field.
- At least 03 years of experience in microfinance, banking, or in Islamic finance is preferred.
- Required Skills are:
- Knowledge of Islamic finance principles.
- Financial analysis and client assessment.
- Strong communication and negotiation skills.
- Proficiency in MS Office and MIS systems.
- High ethical standards and integrity.
Qualified and interested candidates are invited to submit their CV and cover letter in PDF format to hr@lamen.af. Please indicate the position title “Financing Officer” along with the reference number in the subject line of your email.
Please note that only shortlisted candidates will be contacted for a written test or interview.
Submission Email: hr@lamen.af
Lamen Microfinance Institution (LMI) was established in December 2024, received an operational license from the Central Bank of Afghanistan (DAB), and is a specialized financial organization that provides Shariah-compliant financial services to low-income individuals, small businesses, and vulnerable communities. Its main objective is to improve livelihoods, reduce poverty, and support entrepreneurship through ethical financial products that comply with Islamic principles.