Jobs
At ICFSME, our employees are our most valuable asset and the driving force behind our success. They have contributed significantly to creating a positive work environment within the company. Our management is committed to making a tangible difference in our country by providing appropriate financing with transparency, courtesy and trust. We offer a variety of career options spanning a wide range of disciplines, with endless opportunities for learning and growth. We employ individuals who are efficient, dynamic and have the ability to build strong and lasting relationships with our clients.
Job Summary
The Loan Officer works directly with customers in the field to promote loans, determine customer creditworthiness, complete loan applications, perform customer follow-ups and manage loan workflow.
Tasks and responsibilities
- Advertise and promote the company's program.
- Manage loan applications and approval process within the specified region.
- Complete the loan application on the applicant and guarantor's website.
- Conducting necessary assessments for businesses and business owners/homeowners.
- Ensure prompt submission of application documents, disbursement and repayment of the loan.
- Provide periodic information about the portfolio.
- Contact clients and guarantors regarding loan approval/denial, additional information required on pending applications, and for loan disbursements.
Qualifications and requirements
Be prepared for field work.
He must have a high school diploma, and it is preferable to have a bachelor’s degree.
He has the ability to work independently.
Have a strong knowledge of the local community.
To have knowledge of mathematics.
- Main responsibilities
- Recording daily journal entries in accordance with approved accounting principles.
- Preparing financial reports (monthly / quarterly / annual).
- Monitoring accounts receivable and payable and preparing the required reports.
- Reviewing expenses and verifying the validity of supporting documents.
- Preparing payroll statements and deductions in coordination with the Human Resources Department.
- Performing periodic bank reconciliations.
- Supporting internal and external audit processes and providing the required data.
- Maintaining financial records in an organized and confidential manner.
- Requirements
- Bachelor’s degree in Accounting, Finance, Banking and Financial Sciences, or any related field.
- Minimum of (2–5) years of practical experience in accounting or financial auditing, preferably within financial companies or lending institutions.
- Good knowledge of approved accounting principles and standards, including financial entries and reconciliations.
- Ability to prepare and analyze periodic financial reports accurately and efficiently.
- Experience in managing accounts payable and receivable, as well as performing bank reconciliations.
- Familiarity with payroll processing, deductions, and handling confidential financial information with a high level of discretion.
- Proficiency in accounting systems and software, with advanced skills in Microsoft Excel.
- Ability to support internal and external audit processes and prepare the required financial data and documentation.
- Strong organizational skills, attention to detail, and accuracy in work.
- Ability to work effectively within a team, handle work pressure, and meet deadlines.
- Preferably knowledgeable about the regulations and instructions issued by Central Bank of Iraq and other relevant regulatory authorities.