• Process and analyze small loan applications by conducting credit investigations, scoring, credit checking, and other underwriting activities to ensure good lending and loan quality of the branch.
• Solicit both potentially existing and new clients in accordance with the guidelines stated in the small loan policies and procedures to ensure secured loans.
• Onboard new small loans to ensure delivery of disbursement target.
• Explain to clients the different types of loans and credit options that are available, as well as the terms of those services for further cross-selling.
• Collect all clients’ required documents for loan application to ensure their eligibility for having it approved.
• Conduct credit investigation to analyze applicants’ financial status, credit, property evaluations, and repayment capacity to determine feasibility of granting loans.
• Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, corporate financial statements, and other financial information.
• Conduct a site visit during loan assessment process to obtain in-depth information concerning the purpose of the customer’s loan application and ensure customer security for the loan is sufficient and acceptable.
• Make regular site visits to existing customers to determine whether the loan should stay the same or be 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.
• Follow up delinquent clients immediately and refer such cases to the supervisor to proactively handle the branch loan portfolio.
• Process registration of title deeds at local authorities and land offices to acquire the legal evidence of the client’s right to ownership of the property.
• Stay abreast of new types of loans and other financial services and products to better meet customer needs.

High Diploma or bachelor’s degree in finance and banking, accounting or any relevant field; Minimum one year of experience in banking and financial services industry with a strong track record in granting loans; Basic knowledge of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management; Ability to use and communicate in both Khmer and English; Ability to use Microsoft Office and Bank’s software; Good sales and customer services skills; Good math skills and ability to spot numerical errors; Good problem solving, negotiation and internal skill; Strong dedication to accuracy and efficiency.