ABA Bank

Large Loan Officer

Banking/FinancePosted 21 hr ago

Location

Samdach Sothearos Branch

Job Type

FULLTIME

Experience

2+ Years

Level

Mid

Work Mode

On-site

Industry

Banking/Finance

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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.
Maintain existing and build new client pools.
Discuss credit-related issues and loan packaging to provide financial advice and tailored solutions, and cross-sell other banking products.
Collect required documents from clients 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.
Conduct site visits at clients’ premises and proffered collaterals during loan assessment.
Verify documents to ensure authenticity and completeness.
Process and prepare Credit Appraisal Reports including detailed loan appraisal write-ups and financial analysis for loan approval.
Execute loan contracts and arrange loan disbursement.
Make regular site visits to existing clients to determine actual conditions of the loan and collateral, and develop client relationships.
Conduct annual review/renewal of the facility in a timely manner.
Closely monitor recommended/processed loans for timely repayment and ensure Portfolio At Risk remains within acceptable levels.
Closely work with Head Office to follow up on post-disbursement conditions and financial covenants.
Follow up delinquent clients immediately and refer cases for active handling.
Handle complex clients’ issues or complaints to find amicable solutions.
Stay abreast of new types of loans and financial services to better meet customer needs.
Act as a role model within the team to question, listen and give actionable feedback.

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 credit 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 networking.
Excellent customer service, client relationship management, communication, negotiation, problem-solving and interpersonal skills.
Demonstration of critical thinking, professional communication, assertiveness, and team dynamic.
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 client to access repayment capacity and financial soundness.
Sense of judgment and common sense with both qualitative and quantitative tools to provide sound and comprehensive analysis/evaluation on complex credit applications.

Required Skills

Credit FunctionBank Branch OperationsRules and RegulationsLawsLoansCredit Risk ManagementSales SkillsCustomer Relationship BuildingNetworkingCustomer ServiceClient Relationship ManagementCommunicationNegotiationProblem-SolvingInterpersonal SkillsCritical ThinkingProfessional CommunicationAssertivenessTeam DynamicCredit Evaluation

Schedule & Flexibility

Start date:Flexible/ASAP

About ABA Bank

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Industry

Banking/Finance

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