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About Apex AMANAT Microfinance Services (AAMS)

Apex AMANAT Microfinance Services (AAMS) is a growing MFI, professionally managed, and Sharia-compliant financial institution under the umbrella of the Rupani Development Initiative (RDI), a multi-country impact investment group operating across different parts of the world. RDI has a two-decade track record of delivering integrated development solutions in climate resilience, food security, livelihoods, and enterprise. Building on this foundation, AAMS has been established to deliver Islamic financial services that empower micro, small, and medium entrepreneurs, enhance financial inclusion, and promote ethical wealth creation. AAMS combines international financial standards, digital innovation, and Islamic principles to offer Murabaha, Qard al-Hasan, and other faith-compliant products that support the transition from aid to enterprise.Professionals joining AAMS will be part of a high-caliber institution, working under a robust governance structure, with clear pathways for career growth across RDI’s impact investment network including health, agricultural, technology and livelihoods sectors.

Job Summary

The Financing Officer is responsible for managing the end-to-end financing process, including client screening, financing appraisal, financial analysis, documentation, disbursement follow-up, and portfolio monitoring. The role ensures that all financing activities are conducted in compliance with institutional policies, financing procedures, regulatory requirements, and risk management standards while maintaining high-quality customer service and strong portfolio performance.

Key Responsibilities

1. Client Screening & Assessment

• Conduct initial screening of potential clients to assess eligibility and business viability.
• Verify client identity, business activities, repayment capacity, and financing eligibility.
• Ensure compliance with KYC (Know Your Customer) and AML (Anti-Money Laundering) policies and procedures.
• Conduct field visits to validate client information and business operations.
• Assess client character, business stability, and financing needs.

2. Financing Appraisal & Analysis

• Prepare detailed financing appraisal reports, including cash flow analysis and risk assessment.
• Analyze client financial statements, income sources, household expenses, and repayment capacity.
• Identify financing risks and recommend appropriate mitigation measures.
• Recommend suitable financing products based on client needs and institutional policies.
• Present financing cases to the Financing Committee or approving authority when required.

3. Documentation & Processing

• Ensure complete, accurate, and properly signed financing documentation before submission for approval.
• Prepare and maintain financing files in accordance with internal policies and regulatory requirements.
• Coordinate with relevant departments and approving authorities for timely financing approval and disbursement.
• Maintain proper filing and record-keeping of all financing documents and client information.

4. Portfolio Management

• Monitor active financing portfolio for repayment performance and delinquency risks.
• Conduct regular client visits to ensure proper utilization of financing funds.
• Follow up on overdue payments and initiate recovery actions when necessary.
• Maintain portfolio quality indicators within acceptable institutional standards.
• Support collection and recovery activities in coordination with branch management.

5. Client Relationship Management

• Build and maintain strong relationships with clients and local communities.
• Provide basic financial guidance and business advisory support to clients.
• Promote institutional products and services to potential and existing clients.
• Support client retention and customer satisfaction initiatives.

6. Reporting & Compliance

• Prepare daily, weekly, and monthly financing activity reports for branch management.
• Ensure full compliance with internal financing policies, operational procedures, and regulatory frameworks.
• Report suspicious activities, fraud indicators, or financing risks to branch management immediately.
• Support internal and external audit requirements when requested.

Qualifications & Requirements

• Bachelor’s degree in Economics, Finance, Business Administration, or a related field (preferred).
• Minimum 1–2 years of experience in microfinance, banking, or financing operations.
• Strong knowledge of financing analysis, cash flow evaluation, and financial documentation.
• Familiarity with microfinance operations and Islamic financing principles is an advantage.
• Good communication, negotiation, and interpersonal skills.
• Ability to work under pressure and achieve portfolio performance targets.
• Willingness to conduct regular field visits.

Skills & Competencies

• Analytical and problem-solving skills.
• Strong attention to detail and accuracy.
• Integrity and high ethical standards.
• Customer-focused mindset.
• Fieldwork readiness and adaptability.
• Basic computer skills, including MS Excel, MS Word, and core banking systems.

Key Performance Indicators (KPIs)

• Portfolio at Risk (PAR) performance.
• Financing repayment and collection rate.
• Portfolio growth and quality.
• Accuracy and completeness of financing documentation.
• Timeliness of financing processing and financing.
• Client retention and satisfaction level.
• Compliance with institutional policies and procedures.

If you have the expertise to take on this exciting opportunity, please apply online by filing the form no later than May 27, 2026. 

https://forms.gle/SXmvoCK9k6NxxhDr7

Applicants must complete all required fields and upload the their CV maximum 3 pages. Incomplete applications or applications submitted after the deadline will not be considered.

Only shortlisted candidates will be contacted for further assessment.

https://forms.gle/SXmvoCK9k6NxxhDr7