Financing Specialist (Lending / Credit Specialist)

The Agricultural Development Fund (ADF) will act as a second-tier wholesale lending institution that will lend to intermediaries in the agricultural value chain, who will then on-lend to small commercial farmers, defined as farmers with 1-30 hectares. ADF is capitalized by a $100 million grant provided by the United States Government to the Government of the Islamic Republic of Afghanistan to increase lending to the agriculture sector to create a more competitive agriculture sector through expanded agricultural production and increased incomes for agricultural households. ADF will lend directly and indirectly to banks, non-bank financial institutions, credit unions, microfinance institutions and non-financial intermediaries such as private farmer associations, farm stores, agricultural depots, food processors, agribusinesses and other market participants and informal providers of finance that support the development of agricultural value chains in Afghanistan and can enhance the supply of agricultural credit to the end-borrowers at the farm level. Until it transitions to the Government of Afghanistan in 2014, the ADF is managed by the Agriculture Credit Enhancement (ACE) program a USAID contract.

• Manage relationships with key ADF clients with the support of the supervisor. 
• Conduct pre-qualification assessments of ADF lending/financing prospects.
• Work closely with Agriculture companies, Associations, and Cooperatives as well as Financial Institutions to develop financing arrangements necessary for the financing (loans).
• Analyze credit applications, verifying creditworthiness and economic viability of the proposed wholesale and sub-loans loans, (specialization MFIs).
• Responsible for preparation of financing (Loan) Application packages as per ADF financing standards
• Present financing package to ADF relevant Credit Committees.
• Develop and appraise financing (loan) proposals in various stages like the preliminary scrutiny, working out on financial viability/bankability (balance sheet analysis, cash flows projection, ratio analysis, sensitivity analysis, etc.).
• Make sure that the proposed financing applications from the different provinces are financially and technically feasible to invest in a certain period and provides inputs to ADF decision-makers in different stages of their decisions to make sure that the proposed ADF financing assists the Afghan Agribusinesses and to reduce the risk for both parties (ADF and its clients).
• Arranging Financing Shuras and other marketing activities with the collaboration of Regional Supervisor.
• Ensure legal contracts and Financing disbursements documents are accurate and complete.
• Manage on-going relationships with the clients after the disbursement and have regular visits.
• Follow up regularly with the existing clients to ensure timely repayments.
• Must be involved in marketing activities and ensure the targets given are achieved.
• Any other responsibilities as assigned by supervisor. 

• Bachelor’s degree Business Administration / Economics
• Minimum 1 to 3 years of relevant experience
• Experience working with Islamic financial institutions, banks, MFIs, NGOs, government entities or development organizations
• Fluent in English & local languages (Pashto/Dari) 

All interested qualified applicants are encouraged to send their CV and Cover Letter indicating the position title and vacancy number (ADF- 273) Along with region name in the subject line before the closing date to the below email address.