ABA Bank

Small Loan Supervisor

Banking/FinancePosted 21 hr ago

Location

Bavel District Branch - Bavel Commune

Job Type

FULLTIME

Experience

2+ Years

Level

Mid

Work Mode

On-site

Industry

Banking/Finance

Languages

Khmer, English

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About the role

Provide effective supervision and oversight of an assigned small loan team, ensuring established policies are followed and service quality standards are achieved.
Evaluate, authorize, and recommend approval of small loan applications, possessing precise knowledge of banking rules, regulations, small loan policies, and procedures.
Exercise direct supervision over all small loan personnel to ensure smooth day-to-day operations.
Monitor team activities, including designing tasks, assigned duties, responsibilities, coaching, and performance review to maintain stable operations.
Take lead in promoting the Bank’s small loan products, particularly by conducting customer orientation to improve the quality of the Bank’s small loan portfolio.
Conduct site visits to customers’ properties in accordance with the bank’s policy to ensure proper granting of loans.
Review thoroughly all small loan applications to prevent any loan application fraud.
Manage late payment and small loan defaults by consistently providing the team with professional methodologies to follow up, re-engage, and restructure clients’ loans.
Collaborate closely with the loan recovery team to ensure successful recovery of loans.
Drive the team to achieve each individual performance target and overcome challenges in their respective areas through regular pipeline meetings.
Prepare daily, weekly, and monthly small loan disbursement reports, as well as conduct daily monitoring of accounts to maintain the branch’s positive cash flow and proactively handle the team’s small loan portfolio.
Ensure the team writes down and explains clearly and precisely the payment terms and conditions in the contract, including late fees, to clients to ensure timely collection of all loan payments and minimize client defaults.
Report and update the line manager on any activities and status of loan products, as well as problems and issues encountered during the implementation of the Bank’s small loan policies to improve the branch’s quality loan portfolio.
Conduct 100% actual verification and validation of small loan applications and accounts for better internal control purposes.
Give constructive feedback to improve the branch’s operational policy and guidelines.
Handle complex customer issues when Small Loan Officers cannot, by remaining calm and executing excellent customer service principles to find amicable solutions.
Resolve routine and complex team issues to maintain productivity and morale.
Act as a role model within the team to question, listen, and provide actionable feedback carefully to create a productive atmosphere towards a “speak up culture”.
Perform other tasks as assigned.

Requirements

Bachelor’s degree in finance and banking, accounting, or any relevant field.
Minimum two years of relevant experience in banking and financial services industry with a strong track record in granting loans.
Excellent knowledge of bank branch operations, rules and regulations, laws, granting loans, and credit risk management.
Ability to use and communicate in both Khmer and English.
Proficient in Microsoft Office and Bank’s software.
Excellent sales and customer services skills.
Good math skills and ability to spot numerical errors.
Good team leadership, management, problem-solving, negotiation, and interpersonal skills.
Strong dedication to accuracy and efficiency.

Required Skills

financebankingaccountingloan grantingbank branch operationsrules and regulationslawscredit risk managementKhmerEnglishMicrosoft OfficeBank's softwaresalescustomer servicesmath skillsnumerical error spottingteam leadershipmanagementproblem-solvingnegotiation

Schedule & Flexibility

Schedule:standard

About ABA Bank

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The Bank is focused on providing financial services.

Industry

Banking/Finance

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