Loan Officer, Qalqilia, Palestine At United Nations Relief and Works Agency (UNRWA)

Closing date: Sunday, 17 September 2023

Posting Title: Loan Officer- For Internal and External Candidates- Limited Duration Contract (LDC) /ML3B- Qalqilia Branch- Microfinance Department- Grade, M3B

Job Code Title: Loan Officer

Department/Office: United Nations Relief and Works Agency (UNRWA)

Duty Station: QALQILIYA

Posting Period: 03 September 2023 – 17 September 2023

Job Opening Number: 23-Human Resources-UNRWA-217208-R-Qalqiliya (E)

United Nations Core Values: Integrity, Professionalism, Respect for Diversity

Organisational Setting and ReportingThe incumbent is responsible to the Area Loan Supervisor.


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.

CompetenciesUN Core Values of Integrity, Professionalism and Respect for Diversity, and Core Competencies of Communication, Working with People and Drive for Results apply by default You will also need to demonstrate the following competencies: (i) Ability to work within a team; (ii) Effective interpersonal, communication and marketing skills; (iii) Customer focus with commercial judgment; (iv) Familiarity with the local market needs; (v) Problem solving abilities; (vi) Ability to cope with change and pressure. For guidance on how to prepare for competency-based interviews: https://careers.un. org/lbw/home.aspx?viewtype=AYI

Education– Completion of a two-year post secondary diploma in accountancy, business, marketing or other related commercial discipline. – Desirable qualifications: A first university degree in business administration, accountancy or economics OR relevant years of experience in sales, marketing, or banking is preferred.

Work ExperienceCompletion of three years of relevant working experience, including in microfinance (as a Loan Officer), sales or marketing is required.

  •  Please confirm if you live/ reside in West Bank or Jerusalem? And if you have West Bank or Jerusalem ID. please to mention its number down, as it is desirable.

LanguagesGood command of spoken and written Arabic and English.

Special Notice

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  •  View this Job Posting in Arabic (Common mistakes) Conditions of service Contract Type: Limited Duration Contract (LDC- Band ML3B) Grade and Salary: ML3B, Monthly basic salary USD846.60, payable in JD at UN monthly exchange rate. Other benefits include:
  •  Family allowances (if applicable).
  •  30 days of annual leave.
  •  Compulsory medical insurance. *DESIRABLE QUALIFICATIONS A first university degree in business administration, accountancy or economics OR relevant years of experience in sales, marketing, or banking is preferred. **ADDITIONAL INFORMATION (i) Possession of a valid driving license; (ii) Willingness to work beyond regular working hours. (iii) The applicants should be a resident of Qalqilia. * Important information 1-This vacancy notice is open to internal and external candidates. Only candidates residing in West Bank or Jerusalem, and within commuting distance of the duty station with authorization to work in the duty station at the time of application are eligible to apply. The Agency will not assume responsibility or accountability to support or facilitate the issuance of work permit in West Bank/ Jerusalem, and without a valid work permit, the appointment may be rescinded. 2- Preference will be given to registered Palestine refugees and candidates assisting the Agency to meet its commitment to gender parity. UNRWA welcomes applications from qualified candidates with disabilities. 3- A roster may be created from the selection exercise, and successful candidates may become eligible for appointment to the same post or a similar post. 4- Only applications that have been fully completed in UNRWA’s online e-recruitment system inspira will be considered and no late applications will be accepted. The PHP should be completed with full relevant work experience under the experience tabs as per the requirements in the Job Opening. All acquired university degrees must also be stated, if applicable. Applicants applying to positions for Grades 12 to 20 must submit a cover letter/motivational statement in order to be considered. Additionally, providing incorrect or misleading information on an application will result in the immediate disqualification of a candidate. 5- 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 via email listed on your Personal History Form, as we will no longer be using telephone calls. 6-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. 7- For UNRWA internal staff, they are required to specify and include their current UNRWA grade level. To do so applicants should select under “Category” RLG, scroll down to see all categories, then select their local grade. Equivalency: Equivalency may apply for this post. NB: Work experience alone or formal qualifications with no relevant work experience are not considered an acceptable combination Advertisements published only in English will only accept applications in English, and Arabic submissions will not be considered. The Agency may disqualify applicants whose name appears on the UN Sanctions List or a UN database of staff separated for reason of misconduct or of staff who separated whilst misconduct processes were pending. UNRWA shares investigation and misconduct information with other UN Agencies, and past and prospective employers, about staff members who have been separated for misconduct, or who have separated whilst an investigation and/or disciplinary process for misconduct is underway; and such persons may be prohibited from employment with the United Nations. The Agency will immediately disqualify applicants who are ineligible for any reason in accordance with the Agency regulatory framework. UNRWA is funded almost entirely by voluntary contributions from UN member states, regional bodies, business foundations and individual contributions. The mission of UNRWA is to help Palestine refugees achieve their full potential in human development under the difficult circumstances in which they live. For more details on UNRWA, please visit:

United Nations ConsiderationsStaff 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.


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September 2023