ABA BankSamdach Sothearos BranchActive opening

ABA Bank

Mortgage Loan Supervisor

Banking/FinancePosted 1 d ago

Location

Samdach Sothearos Branch

Job Type

OTHER

Experience

2+ Years

Level

Lead

Work Mode

On-site

Industry

Banking/Finance

Languages

Khmer, English

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About the role

Supervise the assigned mortgage loan team to acquire and onboard potential individual/mortgage loan clients to achieve lending targets.
Evaluate and process loan applications, perform credit investigations, scoring, and credit checking, along with other underwriting activities to ensure sound lending practices and maintain a high-quality mortgage loan portfolio.
Implement sales strategies to achieve or exceed development goals and targets.
Establish and maintain strong relationships with property developers, real estate agents, and other referral sources to generate new opportunities.
Actively participate in community events, industry conferences, and networking to increase visibility and attract new clients.
Identify new market opportunities and develop initiatives to capture the market.
Conduct market research to stay informed about industry trends and the competitive landscape.
Identify and overcome challenges, striving to find alternate solutions to grow the mortgage loan.
Conduct site visits at clients’ homes, premises (if applicable) and proffered collaterals during loan assessment process to obtain in-depth information concerning the soundness of their income and purpose of loan application, and ensure sufficient and acceptable security for the mortgage loan.
Collect all required documents from clients to process loan applications and verify eligibility.
Manage and maintain a profitable mortgage loan portfolio.
Continuously evaluate the risk associated with the loan portfolio to ensure it aligns with the Bank’s risk tolerance and regulatory requirements.
Monitor loan performance and implement strategies to mitigate risks.
Execute attention to detail to mortgage loan policy, guidelines, and other ongoing rules to minimize errors, aiming for satisfactory audit and compliance ratings.
Prepare detailed reports on the status of the loan portfolio, including metrics such as default rate, loan concentrations, and overall portfolio health.
Supervise assigned mortgage loan team through coaching and designing initiatives to maintain stable operations and ensure target achievement.
Discuss credit-related issues and loan packaging to provide sound financial advice and tailored solutions for the clients, as well as to take the opportunity to cross-sell other banking products.
Work closely with line manager and internal teams to ensure a smooth and efficient loan approval process.
Collaborate with colleagues to find solutions to complex loan scenarios and ensure a smooth transaction for the borrowers.
Participate in team meetings to discuss feedback, share best practices, and identify areas for improvement in the loan process.
Perform other tasks as assigned.

Requirements

Bachelor’s degree or higher in Banking and Finance, administration and/or relevant fields.
Minimum two to three years of experience in mortgage lending with at least one year in leading teams.
Strong knowledge on market developments and opportunities around banking and financial services.
Excellent sales, credit assessment, client relationship management, communication, negotiation, problem-solving, and interpersonal skills.
Highly committed, straightforward with integrity and quality.
Positive thinking, solution orientation, and the ability to collaborate across departments.
Ability to use and communicate in both Khmer and English and/or other languages.
Proficient Microsoft Office and Bank’s software.

Required Skills

Banking and FinanceMortgage LendingTeam LeadershipMarket AnalysisSalesCredit AssessmentClient Relationship ManagementCommunicationNegotiationProblem-SolvingInterpersonal SkillsIntegrityQuality OrientationPositive ThinkingSolution OrientationCollaborationKhmerEnglishMicrosoft OfficeBank's software

Schedule & Flexibility

Schedule:standard

About ABA Bank

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Industry

Banking/Finance

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