ABA Bank

Medium Loan Officer

FinancePosted 21 hr ago

Location

Krong Ta khmau Branch - Sangkat Prek Ruessey

Job Type

FULLTIME

Experience

1+ Years

Level

Entry

Work Mode

On-site

Languages

Khmer, English

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About the role

Acquire and onboard medium 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.
Maintain existing and build new medium clients in accordance with guidelines.
Collect required documents for loan application to verify eligibility.
Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, financial statements, and other financial information.
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 customer’s loan application and ensure sufficient and acceptable customer security for the loan.
Process and prepare Credit Appraisal Report including detailed loan appraisal writeup and detailed financial analysis of the clients to submit for loan approval.
Explain to clients the different types of loans and credit options available, as well as the terms of those services for further cross-selling.
Make regular site visits to existing customers to determine whether the loan should stay the same or be upgraded/downgraded due to the actual condition of their loan collateral and/or financial situation, as well as to develop relationships with customers for further cross-selling.
Closely monitor recommended/processed loans for timely repayment and to ensure Portfolio At Risk remains within acceptable levels.
Closely work with Head Office to follow up on all post disbursement conditions and financial covenants and ensure full compliance.
Follow up delinquent clients immediately and refer such 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, as well as to take the opportunity to cross-sell other banking products.
Handle clients’ issues or complaints to find an amicable solution for all 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 industry experiencebank branch operationsrules and regulationslawsgranting loanscredit risk managementpresentation skillssales skillscustomer serviceclient relationship managementcommunicationnegotiationproblem solvinginternal skillsKhmerEnglishMicrosoft OfficeBank’s software

Schedule & Flexibility

Schedule:standard

Start date:Flexible/ASAP

About ABA Bank

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