ABA BankHead OfficeActive opening

ABA Bank

Credit Relations Manager-Mortgage Loan

FinancePosted 1 d ago

Location

Head Office

Job Type

FULLTIME

Experience

5+ Years

Experience level

Mid-Senior

Work Mode

On-site

Industry

Financial Services

Languages

Khmer, English

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About the role

Drive and support the mortgage loan team to achieve lending targets through planning and monitoring of overall performance, building of client base, and maintaining of existing client relationships.
Facilitate the tasks of the Head of Department in proposing to develop new mortgage loan products, policies, and pricing strategies.
Drive Unit’s performance through designing, assigning tasks and continuous performance tracking, coaching and feedback.
Develop and implement sales strategies to achieve or exceed development goals and targets.
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.
Manage and overcome challenges, striving to find alternate solutions to grow the mortgage loan.
Conduct a site visit at clients’ home, premise (if applicable) and proffered collaterals during loan assessment process.
Provide value added comments in the Credit Appraisal Report for the management approval as well as to monitor the loan portfolio to loan quality and continued profitability.
Prepare pre-deal paper for management consideration prior to submission of formal loan application.
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.
Attend to detail to mortgage loan policy, guidelines, and other on-going rules to minimize the error aiming for satisfaction audit and compliance rating.
Prepare detailed reports on the status of the loan portfolio, including metrics such as default rate, loan concentrations, and overall portfolio health.
Provide mortgage lending technical training and other soft skills related to equip the team with the right skillsets and mindsets for the role.
Coach the team to properly assess creditworthiness of the client for proposing to the Credit Committees for approval of the credit proposals.
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 team 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 or Master’s Degree in Banking and Finance, administration or other relevant.
Minimum five years of relevant experience in banking, or medium-to-large lending function including experience in a managerial or leadership role.
Sound credit evaluation and analysis skills with extensive insights related to mortgage loan in Cambodia context.
Sound financial literacy and ability to interpret and analyze financial statements (audited and/or management reports) of the company in order to access repayment capacity and financial soundness of the clients.
Sense of judgement and common sense with both qualitative and quantitative tools to provide sound and comprehensive analysis/evaluation on complex credit applications.
In-depth knowledge of the bank operations, rules and regulations, laws, granting loans, and credit risk management.
Excellent client relationship management, communication, negotiation, problem solving and interpersonal skills.
Demonstrated leadership & management and ability to motivate and empower team members.
Ability to do presentation and maintain professionalism.
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 FinanceAdministrationCredit EvaluationCredit AnalysisMortgage Loan Analysis (Cambodia Context)Financial LiteracyFinancial Statement AnalysisRepayment Capacity AssessmentFinancial Soundness AssessmentQualitative AnalysisQuantitative AnalysisBank OperationsBank Rules and RegulationsLoan GrantingCredit Risk ManagementClient Relationship ManagementCommunicationNegotiationProblem SolvingInterpersonal Skills

Schedule & Flexibility

Schedule:standard

About ABA Bank

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We are a Bank committed to sound lending practices.

Industry

Financial Services

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