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Loan Officer مسؤول قروض (دمشق، طرطوس، اللاذقية)

Multiple locations (Multiple locations)

  • Organization: UNRWA - United Nations Relief and Works Agency for Palestinian Refugees
  • Location: Multiple locations (Multiple locations)
  • Grade: Level not specified
  • Occupational Groups:
    • Banking and Finance
    • Cash-Based Interventions
  • Closing Date: 2022-01-26

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Org. Setting and Reporting

The incumbent is responsible to the Area Loan Supervisor.

Responsibilities

In accordance with established Agency policy and procedures the incumbent:

(A) Promotes and retails credit to micro-entepreneurs and small businesses through visits to designated local market and industrial areas to support business development by financing working capital and investment opportunities;

(B) Promotes and retails consumer and housing loans to low-income households through visits to their workplaces and households to provide finance for household assets and home improvement;

(C) Ensures screening of prospective borrowers, including visiting the businesses and/or households, completing the loan applications, analyzing the loan requests and recommending disbursement;

(D) Through individual marketing and promotion channels, ensures financing new and repeated loans to increase the size of the portfolio;

(E) Monitors and leverages an adequate healthy caseload of active borrowers;

(F) Follows up on payments of performing portfolio to ensure adequate repayment rate;

(G) In coordination with the relevant MD staff, follows up on payments of bad portfolio from delinquent clients to reduce its volume;

(H) Performs such other duties as may be assigned.

Competencies

(i) Ablity to work within a team;

(ii) Effective interpersonal, communication and markiting skills;

(iii) Customer focus with commercial judgment;

(iv) Familiarity with the local market needs;

(v) Problem solving ablities;

(vi) Ability to cope with change and pressure.

Education

Completion of a two-year post secondary diploma in accountancy, business, marketing or other related commercial discipline.
إكمال دبلوم ما بعد الثانوية لمدة عامين في المحاسبة أو الأعمال التجارية أو التسويق أو أي تخصص تجاري آخر ذي صلة

Work Experience

B.1 Junior Loan Officer- grade level ML3A (Entry level)
This first entry level is for fresh graduates with no working experience (Any prior working experience during study will not be considered as qualifying experience).

B.2 Loan Officer- grade level ML3B
This level is for qualified Junior Loan Officers to move from grade ML3A to ML3B. The minimum eligibility criteria include:
i) Completion of three years of relevant working experience, including in microfinance (as a Loan Officer), sales or marketing;
ii) Maintaining a very good performance (“Meets Expectations” as per the applied performance system standards) throughout the whole period of service as a Junior Loan Officer in MD.

Languages

Good command of spoken and written Arabic and English
إجادة اللغتين العربية والإنجليزية تحدثًا وكتابة

Assessment

Evaluation of qualified candidates may include an assessment exercise which may be followed by competency-based interview.

Special Notice

Contract Status: ISP
Grade: ML3P and ML3B
Monthly basic salary:
For ML3A: 120.000 SYP, additional to other allowances 220.000 SYP
For ML3B: 131.940 SYP, additional to other allowances 220.000 SYP

Candidates who are invited to a written test should submit their academic qualifications, employment certificates and other required documents, either before the date of the test, or on the day of the test. Failure to do so may entail disqualification from the recruitment process.
على المتقدمين المدعوين للامتحان إحضار شهاداتهم الأكاديمية وشهادات الخبرة وأي مستندات أخرى مطلوبة إما قبل تاريخ
الامتحان أو يوم الامتحان حيث يؤدي الفشل في تحقيق ذلك إلى الاستبعاد من التقدم للامتحان

Candidates should also submit a statement of non-employment (3 copies) given that governmental, or joint sector employees cannot be appointed to UNRWA posts even if they have leave without pay permit.
إبراز وثيقة غير موظف عدد 3 فلا يحق لموظفي القطاع العام أو المشترك التعيين ضمن شواغر الأونروا حتى وان كان ضمن اجازة بلا أجر.

Candidates who succeed in the recruitment process and receive an offer of appointment to the respective post must submit a notification issued by GAPAR to the effect that they have reported to GAPAR and have filled the required forms for obtaining approval of competent government authorities. They should also submit the following:

على المتقدمين الناجحين في عملية التوظيف والحاصلين على عرض عمل على أساس الوظيفة المعلنة أعلاه إبراز إشعار صادر عن الهيئة العامة للاجئين الفلسطينيين العرب إلى مكتب الموارد البشرية في الأونروا يفيد أنه قد قام بتعبئة جميع الاستمارات المطلوبة للحصول على موافقة السلطات الحكومية المختصة إضافة إلى الوثاىق التالية:
• Statement of non-conviction (3 copies). وثيقة غير محكوم عدد 3
• Copy of personal ID. نسخة عن الهوبة

* Equivalency:
Candidates with an equivalent combination of relevant academic qualifications, professional training and progressive work experience may also be considered if there will not be enough qualified candidates.

* General information
1. This vacancy notice is open to internal and external candidates. As an Area post, only candidates who reside in Syria at the time of applications are eligible to apply. The Agency does not assume responsibilities nor support the issuance of work permits for those who has no legal documents to live in Syria.
2. It is the responsibility of the candidate to provide full, accurate and up to date information in his/her application form. Any missing and/or misleading data may lead to candidate disqualification.
3. Please ensure that the e-mail address and mobile phone number that you have written in your Personal History Form are accurate and active. Your status in relation to the vacancy will be communicated to you only via the email listed on your Personal History Form.
4. For more information please visit the website, http//: inspira.un.org
5. Qualified female candidates are strongly encouraged to apply.

United Nations Considerations

Staff members are subject to the authority of the Commissioner-General of UNRWA and to assignment by him or her.

UNRWA is committed to achieving gender parity at all levels of staffing under the current UN-wide gender agenda and strongly encourages applications from qualified applicants from under-represented groups.

At UNRWA, the paramount consideration in the recruitment and employment of staff is the necessity of securing the highest standards of efficiency, competence and integrity, with due regard to geographic diversity. All employment decisions are made on the basis of qualifications and organizational needs. UNRWA is committed to creating a diverse and inclusive environment of mutual respect. Reasonable accommodation for applicants with disabilities may be provided to support participation in the recruitment process when requested and indicated in the application.

UNRWA Considerations
UNRWA staff are expected to uphold the highest standards of efficiency, competence, neutrality, impartiality and integrity. This includes respect for and commitment to human rights, diversity and non-violent means of dealing with all kinds of conflict. Only persons who fully and unconditionally commit to these values should consider applying for UNRWA jobs. Candidates will not be considered for employment with UNRWA if they have committed violations of international human rights law, violations of international humanitarian law, sexual exploitation, sexual abuse, or sexual harassment, or if there are reasonable grounds to believe that they have been involved in the commission of any of these acts. Candidates who have committed crimes other than minor traffic offences may not be considered for employment. The Agency may disqualify applicants who have separated for reason of misconduct, who left a UN Agency while misconduct processes were pending, or who appear on the UN Sanctions List.
UNRWA is a non-smoking work environment.

Applicants are urged to follow carefully all instructions available in the online recruitment platform, inspira. For more detailed guidance, applicants may refer to the Manual for the Applicant, which can be accessed by clicking on “Manuals” hyper-link on the upper right side of the inspira account-holder homepage.

The evaluation of applicants will be conducted on the basis of the information submitted in the application according to the evaluation criteria of the job opening and the applicable internal legislations of the United Nations including the Charter of the United Nations, resolutions of the General Assembly, the Staff Regulations and Rules, administrative issuances and guidelines. Applicants must provide complete and accurate information pertaining to their personal profile and qualifications according to the instructions provided in inspira to be considered for the current job opening. No amendment, addition, deletion, revision or modification shall be made to applications that have been submitted. Candidates under serious consideration for selection will be subject to reference checks to verify the information provided in the application.

Job openings advertised on the Careers Portal will be removed at 11:59 p.m. (New York time) on the deadline date.

We do our best to provide you the most accurate info, but closing dates may be wrong on our site. Please check on the recruiting organization's page for the exact info. Candidates are responsible for complying with deadlines and are encouraged to submit applications well ahead.
Before applying, please make sure that you have read the requirements for the position and that you qualify.
Applications from non-qualifying applicants will most likely be discarded by the recruiting manager.
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