ABA Bank

Mortgage Loan Officer

Banking/FinancePosted 21 hr ago

Location

Khan Chamkar Mon Branch - Sangkat Tonle Basak (B)

Job Type

FULLTIME

Experience

2+ Years

Level

Mid

Work Mode

On-site

Industry

Banking/Finance

Languages

Khmer, English

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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 guidelines.
Collect required documents from clients to verify eligibility.
Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, corporate financial statements, and other financial information.
Conduct credit investigations to analyze applicants’ financial status, credit, property evaluations, and repayment capacity.
Conduct a site visit during loan assessment to obtain in-depth information concerning the loan application purpose and ensure sufficient and acceptable customer security.
Prepare and execute loan contracts and arrange loan disbursement timely and accurately.
Explain different loan and credit options, as well as service terms, to clients for cross-selling.
Drive potential clients’ understanding about mortgage products, interest rates, and the application process.
Make regular site visits to existing customers to assess loan collateral and/or financial situation for potential downgrades and to develop relationships for further cross-selling.
Follow up delinquent clients immediately and refer cases to the supervisor.
Process registration of title deeds at the local authority and land office.

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 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 OperationsRules and RegulationsLawsGranting LoansCredit Risk ManagementMortgage Loan PoliciesCredit AnalysisProperty EvaluationFinancial Document AnalysisCommunicationNegotiationRelationship ManagementAccuracyEfficiencyPresentation DeliveryMicrosoft Office

Schedule & Flexibility

Start date:Flexible/ASAP

About ABA Bank

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Industry

Banking/Finance

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