ABA Bank

Large Loan Officer

Banking/FinancePosted 21 hr ago

Location

Samraong Kraom Branch

Job Type

FULLTIME

Experience

3+ Years

Level

Mid

Work Mode

On-site

Industry

Banking/Finance

Languages

Khmer, English

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About the role

Acquire and onboard large loan clients, analyze and process their loan applications by conducting credit investigations, scoring, credit checking, and other underwriting activities to ensure good lending and loan quality for the Branch's Large Loan portfolio.
Maintain existing and build new clients pool in accordance with credit policy and procedure guidelines.
Discuss credit-related issues and loan packaging to provide sound financial advice and tailored solutions for clients, and cross-sell other banking products.
Collect required documents from clients for loan application processing to verify their eligibility.
Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, large financial statements, and other financial information to prevent fraud.
Conduct site visits at clients’ premises and proffered collaterals during loan assessment to obtain in-depth information about their soundness and loan purpose, ensuring sufficient and acceptable security.
Verify documents and ensure authenticity and completeness of documents received from borrowers.
Process and prepare Credit Appraisal Reports, including detailed loan appraisal write-ups and financial analysis, for submission to higher authorities for loan approval.
Execute loan contracts and arrange timely and accurate loan disbursements to meet client needs and satisfaction.
Make regular site visits to existing clients to determine the actual conditions of the loan and collateral, and to develop client relationships as part of retention strategies.
Closely monitor recommended/processed loans for timely repayment to ensure the Portfolio At Risk remains within acceptable levels.
Collaborate with related credit teams to follow up on post-disbursement conditions and financial covenants, ensuring full compliance.
Follow up immediately with delinquent clients and refer such cases to higher authorities to actively handle the Branch’s loan portfolio.
Handle complex clients’ issues or complaints to find amicable solutions and escalate to higher authorities if needed.
Stay abreast of new types of loans and other financial services and products to better meet customer needs.
Act as a role model within the team by questioning, listening, and giving actionable feedback carefully to create a productive atmosphere towards a “speak up culture”.

Requirements

Bachelor’s degree in finance and banking, accounting, or any relevant field.
Minimum three years of ing experiences with a strong track record in banking or large lending function.
In-depth knowledge of the bank branch operations, rules and regulations, laws, loans, and credit risk management.
Excellent sales skills, customer relationship building, and neting.
Excellent customer service, client relationship management, communication, negotiation, problem solving and interal skills.
Strong critical thinking skills, professional communication skills, assertiveness, and team dynamic.
Strong credit evaluation and analysis skills with extensive insights related to large loans in Cambodia context.
Financial literacy and ability to interpret and analyze financial statements (audited and/or management reports) of the in order to access repayment capacity and financial soundness of the clients.
Sense of judgement and common sense with both qualitative and quantitative tools to provide sound and comprehensive analysis/evaluation on complex credit applications.
Ability to use and communicate in both Khmer and English and/or other s.
Proficient Microsoft Office and Bank’s software.

Required Skills

finance and bankingaccountingbanking experiencelendingbank branch operationslaws and regulationsloanscredit risk managementsalescustomer relationship buildingnetworkingcustomer serviceclient relationship managementcommunicationnegotiationproblem solvinginterpersonal skillscritical thinkingprofessional communicationassertiveness

Schedule & Flexibility

Schedule:standard

Start date:Flexible/ASAP

About ABA Bank

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Industry

Banking/Finance

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