• Process and analyze micro loan applications by conducting credit investigations, scoring, credit checking and other underwriting activities.
• Solicit both potentially existing and new clients in accordance with the guidelines stated in the micro loan policies and procedures to ensure the secured loans.
• On-board new micro 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.
• Conduct credit investigation to analyze applicants’ financial status, credit, property evaluations, repayment capacity to determine feasibility of granting loans.
• Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, corporate financial statement and other financial information.
• Conduct a site visit during loan assessment process to obtain in-depth information concerning to the purpose of customer’s loan application and ensure sufficient and acceptable loan security.
• Make the regular site visits to existing customers in order 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 relationship with customers for further cross-selling.
• Follow up delinquent client immediately and refer such case to the supervisor in order to proactively handle the branch loan portfolio.
• Process registration of title deeds at local authority and land office to acquire the legal evidence of client’s ownership rights of the property.
• Stay abreast of new types of loans and other financial services and products to better meet customer needs.
• Handle complex customers’ issues whenever Micro Loan Officers could not by remaining calm and executing the excellent customer service principles to find an amicable solution for all.
• Resolve team routine and complex issues to maintain productivities and morale.
• Act as a role model within the team to question, listen and give actionable feedback carefully in order to create a productive atmosphere towards “speak up culture”.

Bachelor’s degree in finance and banking, accounting or any relevant field; Minimum two years of ing experiences in banking and financial services industry with a strong track record in granting loans; Excellent 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; Proficient 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 interal skill; Strong dedication to accuracy and efficiency.