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SME BANK CAMBODIA

Loan Recovery Officer

Banking/FinancePosted 21 hr ago

Location

Chrouy Changva | Phnom Penh

Job Type

FULLTIME

Experience

5+ Years

Level

Mid

Work Mode

On-site

Industry

Banking/Finance

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About the role

  • Implement daily tasks in compliance with established policies and guidelines.
  • Conduct training/refreshing sessions to the Collection team and BUs on loan collection policy and procedures.
  • Monitor overdue portfolios and problematic accounts closely and act in a timely manner when a trigger alert.
  • Report to the Manager or Department Head or Chief Credit Officer and/or provide sound recommendations on immediate action.
  • Monitor collection efficiency by following up with units (BUs) on action taken regularly.
  • Consolidate overdue reports from BUs for Credit Committee on a weekly basis.
  • Propose recovery strategies, legal proceedings, restructuring, and write-offs for approval.
  • Ensure the payment of overdue clients under the Monitoring & Recovery Team and BUs are followed up, monitored, and appropriately reported.
  • Assist BUs to solve pre-NPL accounts by providing sound advice and/or joining discussions with overdue clients for solutions when needed.
  • Manage collateral sale process in case borrowers are willing to sell their property in collaboration with the Legal Team and Panel Lawyer, Court, and relevant stakeholders on cases proceeding to the court.
  • Follow up with the Legal Team on litigation cases.
  • Perform other tasks assigned by the Head of Department.

Requirements

  • Holding at least a bachelor’s degree in Banking & Finance, Accounting, or related field.
  • Obtaining at least 5 years of credit experience and more than 02 years in loan recovery.
  • Having acceptable knowledge in good credit practices, customer protection concepts, and responsible lending to avoid negative impacts on the environment and society.
  • Being able to produce and present necessary reports using computer applications such as Ms. Word, Ms. Excel, Power Point, etc. Experiencing in handling difficult customers and being a consultant to find sound solutions for bad debt recovery.

Required Skills

Banking & FinanceAccountingCreditLoan RecoveryCredit PracticesCustomer ProtectionResponsible LendingMs. WordMs. ExcelPower PointReport ProductionReport PresentationHandling Difficult CustomersConsultingProblem Solving (Bad Debt Recovery)

Compensation Details

Bonus:13th month bonus

Benefits

  • 13th month bonus
  • Yearly performance bonus
  • Yearly increment
  • Private Insurance (Health and life)
  • Phone allowance

About SME BANK CAMBODIA

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Small and medium enterprises (SMEs) play a crucial role in contributing to socio-economic development in an inclusive manner. They are considered the backbone of the national economy, meeting local demand for goods and services while also contributing to improved livelihoods through increased income and employment, enhancing Gross Domestic Product (GDP), and boosting exports. - Mission: To provide efficient and sustainable financing and commercial banking services to support SMEs to promote economic diversification and exports in line with government policy. - Vision: To be the Best and Preferred SME Bank in Cambodia, providing affordable financing, easy accessibility, technical support and excellent customer experience.

Employees

201 to 500

Industry

Banking/ Insurance/ Microfinance

City

Phnom Penh

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