ABA Bank

Medium Loan Officer

FinancePosted 17 hr ago

Location

Pailin Provincial Branch

Job Type

FULLTIME

Experience

1+ Years

Level

Entry

Work Mode

On-site

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 to ensure good lending and loan quality.
Maintain existing and build new medium clients in accordance with medium loan policies and procedures to ensure secured loans.
Collect all clients’ required documents for loan application to verify their eligibility.
Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, medium 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 a site visit 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 Report including detailed loan appraisal write-up and detailed financial analysis for loan approval.
Explain different loan types and credit options available, as well as service terms, for further cross-selling.
Make regular site visits to existing customers to determine loan status (same, upgraded/downgraded) based on collateral and/or financial situation, and develop customer relationships for 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 delinquent clients immediately and refer such 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 to cross-sell other banking products.
Handle clients’ issues or complaints to find amicable solutions and process to higher authority if needed.
Stay abreast of new loan types and financial services/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

finance and bankingaccountingbank branch operationsrules and regulationslawsgranting loanscredit risk managementpresentation skillssales skillscustomer serviceclient relationship managementcommunicationnegotiationproblem-solvinginterpersonal skillsKhmerEnglishMicrosoft OfficeBank’s softwaremath skills

Schedule & Flexibility

Start date:Flexible/ASAP

About ABA Bank

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