UNRWA is the United Nations agency responsible for the protection, care and human development of a population of some 4.7 million Palestine refugees living in the Gaza Strip, the West Bank, Jordan, Lebanon and the Syrian Arab Republic. UNRWA is committed to assisting Palestine refugees in maintaining a decent standard of living, acquiring appropriate knowledge and skills, enjoying the fullest possible extent of human rights, and leading a long and healthy life. UNRWA is the largest UN operation in the Middle East with more than 29,000 staff. Most of these staff is refugees themselves, working directly to benefit their communities - as teachers, doctors, nurse or social workers. UNRWA is seeking to employ a qualified:

Loan Officer at Microfinance Department for Jerash Area

Vacancy Announcement Number MD/04/2013
Contract Status Fixed Term Appointment with one year probation
Contract Duration 1 year Contract (extendable)
Grade 09
Benefits Monthly Salary JD 564 & 600 fils; other benefits include Provident Fund contribution (15% of basic salary paid by the Agency), medical insurance and 30 days of annual leave. Dependency benefits are subject to eligibility.
Department Microfinance Department
Duty Station Jordan Field
Issue Date 30 June 2013
Deadline for Applications 13 July 2013

Place in the Organisation
The incumbent is responsible to the Area Loan Supervisor.


In accordance with established Agency policy and procedures the incumbent:

(A) Visits designated local market places and industrial areas to promote and retail credit to micro-entrepreneurs and small businesses to promote business development by financing working capital and investment opportunities.

(B) Visits workplace and households to retail consumer and housing loans to low-income households to finance household assets and home improvement;

(C) Assists in initial screening of prospective borrowers, including visiting the business, completing the loan applications, analyzing the loan request 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 an adequate healthy caseload of active borrowers;

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

(G) Follows-up on payments of bad portfolio to reduce its volume;

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

Minimum Qualifications

  • Successful completion of a two-year post secondary course in accountancy, business, marketing or other related commercial discipline.
  • At least three years of experience in sales, marketing or banking
  • Good command of spoken and written English and Arabic.

Desirable Qualifications

A university degree in business administration, accountancy or economics is preferred.


  • Ability to work within a team
  • Effective interpersonal, communication and marketing skills;
  • Customer focus with commercial judgment;
  • Familiarity with the local market needs;
  • Problem solving abilities;
  • Ability to cope with change and pressure.


A university degree in business administration, accountancy or economics is preferred.


When the minimum requirements are not fully met, the Director of UNRWA Operations may exceptionally substitute part of the unmet requirements with a combination of relevant academic qualifications, additional professional training and progressive relevant work experience.
NB: Work experience alone or formal qualifications with no relevant work experience are not considered an acceptable combination.


(i)Possession of a valid driving license;

(ii)Willingness to work beyond regular working hours.

How to Apply
Applicants are required to register at refresh by creating a personal profile and completing an UNRWA Personal History Form. Please note that UNRWA only accepts degrees from accredited educational institutions. Only applications received through refresh will be considered. Due to the large number of applications received, only applicants short-listed for interview will be contacted.

General Information

UNRWA encourages applications from qualified and experienced women. UNRWA welcomes applications from qualified candidates with disabilities.

This vacancy notice is open to internal and external candidates. First priority will be given to fully qualified staff members; second priority to fully qualified external Palestine refugee applicants. An internal candidate with a temporary-indefinite or fixed-term appointment selected for this post will retain his/her current contractual status and entitlements in accordance with current letter of appointment and applicable Area Staff Rules.

UNRWA is a United Nations organization whose staff is expected to uphold the highest standards of integrity, neutrality and impartiality. This includes respect for human rights, for diversity, and for non-violent means of dealing with all kinds of conflict. UNRWA staffs are expected to uphold these values at all times, both at work and outside. Only persons who fully and unconditionally commit to these values should consider applying for UNRWA jobs. UNRWA is a non-smoking working environment.

The United Nations does not charge fees at any stage of the recruitment process (application, testing, interviewing, etc). The United Nations does not concern itself with information related to bank accounts.