About the role
- Acquire and onboard medium loan clients.
- Analyze and process loan applications by conducting credit investigations, scoring, credit checking, and other underwriting activities to ensure good lending and loan quality.
- Maintain existing and build new medium clients according to guidelines to ensure secured loans.
- Collect all required documents for loan application to verify client eligibility.
- Gather valid applicants’ financial records by obtaining and compiling copies of credit histories, financial statements, and other financial information to prevent fraud.
- 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.
- Process and prepare Credit Appraisal Report including detailed loan appraisal writeup and detailed financial analysis to submit for loan approval.
- Explain different types of loans and credit options available, as well as service terms for further cross-selling.
- Make regular site visits to existing customers to determine loan status and develop relationships for further cross-selling.
- Closely monitor recommended/processed loans for timely repayment and to ensure Portfolio At Risk remains within acceptable levels.
- Work closely with Head Office to follow up on post disbursement conditions and financial covenants to ensure full compliance.
- Follow up delinquent clients immediately and refer cases to the supervisor to proactively handle the branch loan portfolio.
- Discuss credit-related issues and loan packaging to provide sound financial advice and tailored solutions for clients, and to cross-sell other banking products.
- Handle clients’ issues or complaints to find amicable solutions and process to higher authority if needed.
- Stay abreast of new types of loans and other financial services and products to better meet customer needs.
Requirements
- Bachelor’s degree in finance and banking, accounting, or any relevant field.
- Minimum one year of experience in banking and financial services industry.
- Good knowledge of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.
- Demonstration of presentation and sales skills.
- Good customer service, client relationship management, communication, negotiation, problem solving and internal skills.
- Ability to use and communicate in both Khmer and English.
- Good Microsoft Office and Bank’s software.
- Good math skills and ability to spot numerical errors.
- Good problem solving, negotiation and internal skill.
- Strong dedication to accuracy and efficiency.
Required Skills
finance and bankingaccountingbanking and financial services industrybank branch operationsrules and regulationslawsgranting loanscredit risk managementpresentation skillssales skillscustomer serviceclient relationship managementcommunicationnegotiationproblem solvinginternal skillsKhmerEnglishMicrosoft OfficeBank’s software
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