ABA Bank

Micro Loan Officer

Banking/FinancePosted 21 hr ago

Location

Memot District Branch - Memot Commune

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

Provide effective supervision and oversight of an assigned micro loan team by ensuring established micro loan policies are followed and service quality standards are achieved.
Evaluate, authorize, and recommend approval of micro loan applications with precise knowledge of banking rules, regulations, micro loan policies and procedures.
Exercise direct supervision over all micro loan personnel to ensure smooth day-to-day operations.
Monitor team activities such as designing assigned duties, responsibilities, coaching and performance review to maintain stable operations.
Take the lead in promoting the Bank’s micro loan products, particularly in conducting customer orientation to improve the quality of the Bank’s micro loan portfolio.
Conduct site visits to customers’ properties according to the bank’s policy to ensure proper granting of loans.
Review thoroughly all micro loan applications to prevent any loan application fraud.
Manage late payment and micro loan defaults by consistently providing the team professional methodologies to follow up, re and restructure clients’ loans.
Closely work with the loan recovery team to ensure successful recovery of loans.
Drive the team to achieve each individual performance target and overcome challenges in their own areas through regular pipeline meetings.
Prepare daily, weekly, and monthly micro loan disbursement reports, as well as conduct daily monitoring of accounts to maintain the branch’s positive cash flow and proactively handle the team’s micro loan portfolio.
Ensure the team writes down and explains clearly and precisely the payment terms and conditions in the contract, including late fees, to clients in order to timely collect all loan payments and minimize client defaults.
Report and update the line manager on any activities and status of the loan products, as well as problems and issues encountered by the operations while implementing the Bank’s micro loan policies to improve the branch’s quality loan portfolio.
Conduct 100% actual verification and validation of micro loan applications and accounts for better internal control purposes.
Give constructive feedback to improve the branch’s operational policy and guidelines.
Handle complex customer issues whenever Micro Loan Officers could not, by remaining calm and executing excellent customer service principles to find an amicable solution for all.
Resolve team routine and complex issues to maintain productivity and morale.
Act as a role model within the team to question, listen, and give 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 two years of experience in banking and financial services industry with a strong track record in granting loans.
Excellent knowledge of bank branch operations, rules and regulations, laws, granting loans, and credit risk management.
Ability to use and communicate in both Khmer and English.
Proficient Microsoft Office and Bank’s software.
Excellent sales and customer services skills.
Good math skills and ability to spot numerical errors.
Good team leadership, management, problem solving, negotiation, and interpersonal skills.
Strong dedication to accuracy and efficiency.

Required Skills

finance and bankingaccountingbanking and financial services industrygranting loansbank branch operationsrules and regulationslawscredit risk managementKhmerEnglishMicrosoft OfficeBank’s softwaresalescustomer servicesmath skillsnumerical error detectionteam leadershipmanagementproblem solvingnegotiation

About ABA Bank

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Industry

Banking/Finance

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