ABA Bank

Medium Loan Officer

Banking/FinancePosted 21 hr ago

Location

Kandal Stueng District Branch - Anlong Romiet Commune

Job Type

FULLTIME

Experience

1+ Years

Level

Entry

Work Mode

On-site

Industry

Banking/Finance

Languages

Khmer, English

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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 in accordance with medium loan policies and procedures.
Collect all required client documents for loan application to verify eligibility.
Gather valid applicants’ financial records, including credit histories and financial statements, to prevent fraud.
Conduct credit investigation to analyze applicants’ financial status, credit, property evaluations, and repayment capacity to determine loan feasibility.
Conduct site visits during loan assessment to obtain in-depth information regarding loan purpose and ensure acceptable customer security.
Process and prepare Credit Appraisal Reports, including detailed loan appraisal write-ups and financial analyses, for loan approval.
Explain different loan types and credit options, as well as service terms, for cross-selling.
Make regular site visits to existing customers to assess loan collateral and financial situation, and to develop customer relationships for cross-selling.
Closely monitor recommended/processed loans for timely repayment and to ensure Portfolio At Risk remains within acceptable levels.
Collaborate closely with Head Office to follow up on post-disbursement conditions and financial covenants for compliance.
Follow up on delinquent clients immediately and refer cases to the supervisor.
Discuss credit-related issues and loan packaging to provide financial advice and tailored solutions, and to cross-sell other banking products.
Handle client issues or complaints to find amicable solutions, escalating if necessary.
Stay abreast of new loan types and 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 interpersonal 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 interpersonal 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 solvinginterpersonal skillsKhmerEnglishMicrosoft OfficeBank’s software

Schedule & Flexibility

Start date:Flexible/ASAP

About ABA Bank

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Industry

Banking/Finance

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