ABA BankKhan Kamboul Branch - Sangkat KantaokActive opening

ABA Bank

Mortgage Loan Officer

FinancePosted 1 d ago

Location

Khan Kamboul Branch - Sangkat Kantaok

Job Type

FULLTIME

Experience

1+ Years

Experience level

Entry Level

Work Mode

On-site

Industry

Financial Services

Languages

Khmer, English

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About the role

Process and analyze mortgage loan applications of individual and corporate clients by conducting credit investigations, scoring, credit checking and other underwriting activities to ensure good lending and loan quality.
Maintain existing and build new mortgage clients in accordance with guidelines.
Collect required documents for loan application to verify eligibility.
Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, corporate financial statement, and other financial information.
Conduct credit investigation to analyze applicants’ financial status, credit, property evaluations, repayment capacity to determine feasibility of granting loans.
Conduct a site visit during loan assessment process to obtain in-depth information concerning the purpose of customer’s loan application and ensure sufficient and acceptable customer security for the loan.
Prepare and execute loan contracts and arrange loan disbursement timely and accurately.
Explain to clients the different types of loans and credit options available as well as the terms of those services.
Drive potential clients understanding about mortgage product, interest rates, and the application process.
Make regular site visits to existing customers 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.
Follow up delinquent clients immediately and refer such cases to the supervisor.
Process registration of title deeds at local authority and land office to acquire the legal evidence of client’s right to ownership of the property.
Perform other tasks as assigned.

Requirements

Bachelor’s Degree in Finance and Banking, Accounting, or any relevant field.
Minimum one year of experience in mortgage, lending, banking, and financial services.
Excellent knowledge of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.
Excellent communication, negotiation, and relationship management skills.
Strong knowledge of mortgage loan policies, credit analysis, and property evaluation.
Strong dedication to accuracy and efficiency.
Ability to analyze financial documents and assess credit risk.
Ability to deliver presentations effectively.
Ability to use and communicate in both Khmer and English.
Ability to use Microsoft Office and Bank’s software.

Required Skills

Mortgage Loan PoliciesCredit AnalysisProperty EvaluationFinancial Documents AnalysisCredit Risk ManagementBank Branch OperationsGranting LoansCommunicationNegotiationRelationship ManagementAccuracyEfficiencyPresentation DeliveryMicrosoft OfficeBank's SoftwareKhmerEnglishMortgageLendingBanking

Schedule & Flexibility

Start date:Flexible/ASAP

About ABA Bank

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Industry

Financial Services

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