About the role
- Process and analyze mortgage loan applications for individual and corporate clients by conducting credit investigations, scoring, and underwriting activities to ensure good lending and loan quality.
- Maintain existing and build new mortgage clients in accordance with the Mortgage loan policies and procedures to ensure secured loans.
- Collect all clients’ required documents for loan application to verify their eligibility.
- Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, corporate financial statements, and other financial information.
- Conduct credit investigation to analyze applicants’ financial status, credit, property evaluations, and repayment capacity to determine feasibility of granting loans.
- Conduct a site visit during loan assessment process to obtain in-depth information concerning the purpose of the loan application and ensure sufficient and acceptable customer security.
- Prepare and execute loan contracts and arrange loan disbursement timely and accurately.
- Explain to clients the different types of loans and credit options available, as well as the terms of those services for further cross-selling.
- Drive potential clients' understanding about mortgage products, interest rates, and the application process to help them make informed decisions.
- Make regular site visits to existing customers to determine whether the loan should stay the same or be downgraded due to the actual condition of their loan collateral and/or financial situation, and to develop relationships for further cross-selling.
- Follow up delinquent clients immediately and refer such cases to the supervisor to proactively handle the branch loan portfolio.
- Process registration of title deeds at local authorities and land offices to acquire legal evidence of the client’s right to ownership of the property.
Requirements
- Bachelor’s Degree in Finance and Banking, Accounting, or any relevant field.
- Minimum two years of experience in mortgage, lending, banking, and financial services.
- Excellent knowledge of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.
- Excellent communication, negotiation, and relationship management skills.
- Strong knowledge of mortgage loan policies, credit analysis, and property evaluation.
- Strong dedication to accuracy and efficiency.
- Ability to analyze financial documents and assess credit risk.
- Ability to deliver presentations effectively.
- Ability to use and communicate in both Khmer and English.
- Ability to use Microsoft Office and Bank’s software.
Required Skills
MortgageLendingBankingFinancial ServicesBank Branch OperationsGranting LoansCredit Risk ManagementMortgage Loan PoliciesCredit AnalysisProperty EvaluationAnalyze Financial DocumentsCommunicationNegotiationRelationship ManagementAccuracyEfficiencyDeliver Presentations EffectivelyMicrosoft OfficeBank’s softwareKhmer
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