Financing Officer

• Identify and recruit potential clients in target communities.
• Promote the institution's Sharia Financing products and explain terms and conditions to clients.
• Build strong, trust-based relationships with clients to ensure long-term engagement.

• Review and analyze financing applications from farmers, agribusiness owners, livestock producers or other business related to agricultural, livestock and irrigation.
• Conduct field visits to verify applicants' farming activities, livestock holdings, and business operations.
• Assess financing risk based on factors such as financial capacity, land ownership, agricultural productivity, market conditions, and livestock valuation.
• Ensure financing applicants meet the institution's financing criteria and guidelines.

• Recommend financing approvals based on financial analysis and risk assessment.
• Monitor disbursed financing to ensure funds are used for the intended agricultural and livestock purposes.
• Track financing repayments and proactively follow up with clients to avoid delinquencies.
• Identify early warning signs of potential financing defaults and suggest remedial actions.

• Educate farmers and livestock owners on financial management, investment strategies, and financing repayment planning.
• Provide guidance on the best agricultural practices, livestock management, and market opportunities.
• Maintain strong relationships with clients to ensure trust and long-term cooperation.

• Assist in ensuring that all financing operations follow Shariah guidelines, understanding basic Islamic finance concepts.

• Participate in client education sessions about Shariah-compliant financial practices
• Ensure financing activities align with the institution's policies and regulatory requirements.
• Identify risks associated with agricultural lending, such as climate-related risks, price fluctuations, and disease outbreaks in livestock.
• Recommend risk mitigation strategies for agricultural and livestock financing.
• Ensure legal contracts and Financing disbursements documents are accurate and complete.

• Conduct market research to identify financing needs and growth opportunities in the agricultural and livestock sectors.
• Collaborate with local stakeholders, including cooperatives, suppliers, and government agencies, to support rural financial inclusion.

• Monitor and follow up on overdue customers to ensure timely financing repayments.
• Communicate with delinquent clients to understand repayment challenges and provide possible solutions.
• Work closely with the recovery team to develop repayment plans for overdue clients.
• Conduct field visits to meet overdue customers, guarantors, and collateral owners to assess their financial situation and inform them of their obligations regarding repayment.
• Report and escalate cases of persistent non-payment to the legal or recovery team for further action.
• Conduct quarterly visits for all portfolios.
• Any other responsibilities as assigned by the direct manager.

• Bachelor's degree in economics, business administration, or a related field.
• At least 3 years of experience in microfinance, banking, or financing analysis, preferably in agriculture or livestock financing.

• Fluency in Pashto and Dari is required to effectively communicate with rural clients.
• Proficiency in English is necessary for reporting and coordination with institutional partners.

• Strong knowledge of agricultural finance principles, rural financing risk assessment, and financing structuring.
• Familiarity with microfinance financing models.
• Proficiency in Microsoft Office and financial software.

• Strong analytical, problem-solving, and decision-making skills.
• Excellent communication and negotiation abilities.
• The ability to work in rural environments and travel to remote areas.
• High ethical standards and commitment to financial inclusion.

HASSEL Microfinance Institution