ABA Bank

Medium Business Loan Officer - Level 1

FinancePosted 1 d ago

Location

Krong Ta khmau Branch - Sangkat Prek Ruessey

Job Type

FULLTIME

Experience

1+ Years

Experience level

Entry Level

Work Mode

On-site

Industry

Banking

Languages

Khmer, English

Description

To acquire and onboard medium loan clients as well as analyze and process their loan application by conducting credit investigations, scoring, credit checking, and other underwriting activities in order to ensure good lending and loan quality of Medium Loan of the Branch.
Maintain existing and build new medium clients in accordance with the guidelines stated in the medium loan policies and procedures to ensure the secured loans.
Collect all clients’ required documents for loan application to verify their eligibility for the loan.
Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, medium financial statement, and other financial information in order to prevent from being conned.
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 to the purpose of customer’s loan application and ensure sufficient and acceptable customer security for the loan.
Process and prepare Credit Appraisal Report including detailed loan appraisal writeup and detailed financial analysis of the clients in order to submit to higher authority for loan approval.
Explain to clients the different types of loans and credit options that are available as well as the terms of those services for further cross-selling.
Make regular site visits to existing customers to determine whether the loan should stay the same or be upgraded/downgraded due to the actual condition of their loan collateral and/or financial situation as well as to develop relationship with customers for further cross-selling.
Closely monitor on recommended/processed loan for timely repayment and to ensure Portfolio At Risk remains within acceptable level.
Follow up delinquent client immediately and refer such case to the supervisor to proactively handle the branch loan portfolio.
Discuss credit-related issues and loan packaging to provide sound financial advices and tailored solutions for the clients as well as to take the opportunity to cross-sell other banking products.
Handle clients’ issues or complaints to find an amicable solution for all and process to higher authority if needed.
Stay abreast of new types of loans and other financial services and products to better meet customer needs.
Perform other tasks as assigned.

Requirements

Bachelor’s degree in finance and banking, accounting, or any relevant field.
Minimum one year of experiences in banking and financial services industry.
Good knowledge of the 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 interal 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 interal skill.
Strong dedication to accuracy and efficiency.

Required Skills

Finance and BankingAccountingBank Branch OperationsGranting LoansCredit Risk ManagementNumerical Error SpottingMath SkillsPresentationSalesCustomer ServiceClient Relationship ManagementCommunicationNegotiationProblem SolvingInterpersonal SkillsAccuracy and EfficiencyMicrosoft OfficeBank's SoftwareKhmerEnglish

Schedule & Flexibility

Start date:Flexible/ASAP

About ABA Bank

Visit Website

Industry

Banking

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Description

To acquire and onboard medium loan clients as well as analyze and process their loan application by conducting credit investigations, scoring, credit checking, and other underwriting activities in order to ensure good lending and loan quality of Medium Loan of the Branch.
Maintain existing and build new medium clients in accordance with the guidelines stated in the medium loan policies and procedures to ensure the secured loans.
Collect all clients’ required documents for loan application to verify their eligibility for the loan.
Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, medium financial statement, and other financial information in order to prevent from being conned.
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 to the purpose of customer’s loan application and ensure sufficient and acceptable customer security for the loan.
Process and prepare Credit Appraisal Report including detailed loan appraisal writeup and detailed financial analysis of the clients in order to submit to higher authority for loan approval.
Explain to clients the different types of loans and credit options that are available as well as the terms of those services for further cross-selling.
Make regular site visits to existing customers to determine whether the loan should stay the same or be upgraded/downgraded due to the actual condition of their loan collateral and/or financial situation as well as to develop relationship with customers for further cross-selling.
Closely monitor on recommended/processed loan for timely repayment and to ensure Portfolio At Risk remains within acceptable level.
Follow up delinquent client immediately and refer such case to the supervisor to proactively handle the branch loan portfolio.
Discuss credit-related issues and loan packaging to provide sound financial advices and tailored solutions for the clients as well as to take the opportunity to cross-sell other banking products.
Handle clients’ issues or complaints to find an amicable solution for all and process to higher authority if needed.
Stay abreast of new types of loans and other financial services and products to better meet customer needs.
Perform other tasks as assigned.

Requirements

Bachelor’s degree in finance and banking, accounting, or any relevant field.
Minimum one year of experiences in banking and financial services industry.
Good knowledge of the 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 interal 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 interal skill.
Strong dedication to accuracy and efficiency.