Loan Specialist

Terms of Reference

Part I: Form

Position  Title

Loan Specialist

Number of position


Vacancy Number








Job Location


Salary Scale and Grade

As per Organization Salary Scale

Functional Area

Business development

Probationary Period

3 Months

Years of Experience


Announcement Date


Contract Type


Closing Date


Contract Duration

Open- ended



Part II: Text

Project Background:

The Agricultural Development Fund (ADF) is a standalone government owned financial institution with the fundamental purpose of making credit available to the agriculture sector. The target clientele of the ADF includes small commercial farmers. As well as agribusinesses engaged in distribution of agricultural inputs, producers of high-value crops, processors and exporters of agricultural products. ADF functions as a wholesale lender, channeling credit through financial and non-financial institutions. Agricultural credit provided by the ADF is enabling farmers and other players in the agriculture sector to put in practice modern production, processing and market development practices acquired in the last decade.


Duties and Responsibilities:

  • Manages relationship with key ADF clients with the support of the credit manager.
  • Conduct pre-qualification assessments of ADF lending prospects
  • Work closely with Agriculture companies, Associations and Cooperatives as well as Financial Institutions to develop financing arrangements necessary for the loan.
  • Analyze loan applications, verifying credit worthiness and economic viability of the proposed wholesale and sub-loans loans, (specialization MFIs).
  • Responsible for preparation Loan Application packages as per ADF credit standards
  • Present Loan package to ADF Technical Credit Committee and MAIL-USAID Credit Committee.
  • Ensure Legal contracts and loan disbursements are achieved.
  • Manage on-going relationship with the client after the loan process.


Qualification and Experience:

  • Experience working in financial institutions, banks and in private business.
  • Ability to analyze loan documentation and prepare financial statements
  • Strong Communication and presentation skills
  • Ability to quickly grasp key Agricultural concepts and Islamic Lending
  • A University degree, preferably in Business
  • 2-3 years of progressively responsible experience
  • Fluent English, excellent Pashto and Dari.


Submission Guideline:

  • • The interested candidates should submit their resumes along with a cover letter to: