ABA Bank

Medium Loan Officer

Banking/FinancePosted 21 hr ago

Location

Krong Ta khmau Branch - Sangkat Prek Ruessey

Job Type

OTHER

Experience

1+ Years

Level

Mid

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 their loan applications through credit investigations, scoring, credit checking, and other underwriting activities.
Maintain existing and build new medium clients in accordance with policies and procedures to ensure secured loans.
Collect required documents for loan applications to verify client eligibility.
Gather financial records by obtaining and compiling copies of clients' credit histories, financial statements, and other financial information.
Conduct credit investigation to analyze applicants' financial status, credit, property evaluations, and repayment capacity to determine feasibility of granting loans.
Conduct site visits during loan assessment to obtain in-depth information concerning the purpose of the loan application and ensure sufficient and acceptable customer security.
Process and prepare Credit Appraisal Reports including detailed loan appraisal write-up and detailed financial analysis for loan approval.
Explain different types of loans and credit options available, as well as service terms, for further cross-selling.
Make regular site visits to existing customers to determine loan status and develop relationships for further cross-selling.
Closely monitor recommended/processed loans for timely repayment and ensure Portfolio At Risk remains within acceptable levels.
Work closely with Head Office to follow up on post-disbursement conditions and financial covenants to ensure full compliance.
Follow up with delinquent clients immediately and refer cases to the supervisor to proactively handle the branch loan portfolio.
Discuss credit-related issues and loan packaging to provide sound financial advice and tailored solutions, and take opportunities to cross-sell other banking products.
Handle client issues or complaints to find amicable solutions and process to higher authority if needed.
Stay abreast of new types of loans 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 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

financebankingaccountingbank 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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