Financing General Manager

Bank-e-Millie Afghan Bank-e- Millie Afghan (BMA) was the first financial institution established in Afghanistan in 1933. Similarly, it was the first financial institution established in a public private partnership set up with 72 percent share held by private sector. As a first bank in Afghanistan, BMA introduced formal banking services to the people and government of Islamic Republic of Afghanistan. Since then, the banks competitive strength and ongoing market leadership philosophy lays in its strong capital base and proven trustworthiness. In 1976, it was fully nationalized by the government of Afghanistan. Since its establishment, BMA is a leading banking in providing modern and secure banking services. Securing depositors' funds is the top priority of the bank. At the same time, the bank is contributing considerably to the development of manufacturing, agriculture, services, and international trade in the country. BMA is operating based on strong corporate governance principles, financial risk management and strict compliance to keep its credibility and trust. BMA has 15 city branches in Kabul and 21 provincial branches and equity investments in United States of America and England. And it is celebrating its 84th years of fame.

The Financing General Manager at Bank-e-Millie Afghan (BMA) plays a pivotal role in overseeing and driving the Bank’s financing operations. The position is responsible for leading both the Microfinance and Business Financing Departments, which operate as independent units within the Credit Department.

The core responsibilities include providing Shariah-compliant financing solutions to government entities, individuals, and small and medium-sized enterprises (SMEs). The Business Financing Department is responsible for assessing business requirements, structuring financing facilities, and managing trade finance products, including Bank Guarantees and Letters of Credit (LCs).

A key objective of the department is to establish and strengthen business relationships across Afghanistan by leveraging the Bank’s branch network. Through these efforts, the department aims to expand financing activities, support economic growth, and generate new business opportunities while ensuring compliance with Islamic banking principles.

Duties and Responsibilities

1. Provide overall leadership, supervision, and management of the Islamic Financing Department to ensure the achievement of strategic and operational objectives.
2. Enhance staff capacity, maintain administrative discipline, and address operational and personnel matters in accordance with Bank policies and HR procedures.
3. Develop, implement, and monitor departmental work plans and ensure the effective execution of approved activities.
4. Oversee the preparation and timely submission of operational and performance reports to senior management and the Credit Committee.
5. Conduct customer and collateral site visits, assess financing proposals, and submit recommendations for management review and approval.
6. Evaluate financial statements, business plans, collateral valuations, and financing applications, and coordinate reviews with Risk Management, Compliance, and the Credit Committee.
7. Serve as Secretary of the Credit Committee, including organizing meetings, preparing agendas, recording minutes, and ensuring implementation of committee decisions.
8. Manage official correspondence related to collateral registration, legal documentation, and communications with government authorities and relevant stakeholders.
9. Participate in Credit Committee meetings, business development initiatives, marketing activities, exhibitions, and official visits to support the Bank’s financing objectives.
10. Oversee the structuring, approval, and administration of Islamic financing facilities, bank guarantees, and other credit products in compliance with Bank policies and Shariah principles.
11. Supervise financing operations at Head Office and provincial levels, ensuring compliance with Shariah requirements, regulatory standards, and prudent risk management practices.

The ideal candidate should possess a minimum of five (5) years of experience in credit and financing operations within a reputable bank or financial institution. The candidate must have proven experience in handling large financing exposures and demonstrate strong analytical, financial assessment, and structuring skills. The ability to evaluate business performance, prepare comprehensive credit assessments, and present well-reasoned recommendations to the Credit Committee (CC) and Board of Supervisors (BOS) is essential.

Education

• Bachelor in Economics, BBA, Management, Finance and Banking or other relevant professional qualifications, Master degree will be preferred.

Experience

• Minimum of five (5) years of relevant experience in credit, financing, corporate banking, or risk management within a reputable financial institution.

Key Skills and Competencies

• Credit Analysis and Financial Statement Analysis.
• Corporate and Commercial Financing.
• Risk Assessment and Credit Risk Management.

Qualified and interested applicants are encouraged to apply online through the BMA Job Portal at https://jobs.bma.com.af before the closing date.