ABA Bank

Medium Loan Officer

FinancePosted 2 mo ago

Location

Chhuk District Branch - Satv Pong Commune

Job Type

FULLTIME

Experience

Fresh Graduate

Experience level

Associate

Work Mode

On-site

Industry

Banking

Languages

Khmer, English

About the role

Acquire and onboard medium loan clients, analyze and process their loan applications by conducting 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 guidelines 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, 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 Report including detailed loan appraisal writeup and financial analysis to submit for loan approval.
Explain to clients the different types of loans and credit options available as well as the terms of 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, and to develop relationships for further cross-selling.
Closely monitor recommended/processed loans for timely repayment and to ensure Portfolio At Risk remains within acceptable levels.
Work closely with Head Office to follow up on all post disbursement conditions and financial covenants and 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 for clients, and to take opportunities 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 types of loans and other financial services and products to better meet customer needs.
Perform other tasks as assigned.

Requirements

Fresh graduate or bachelor’s degree in finance and banking, accounting, or any relevant field.
None to less than one year of experience in banking and financial services industry.
Basic 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 internal 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 internal skill.
Strong dedication to accuracy and efficiency.

Required Skills

Finance and BankingAccountingBanking and Financial ServicesBank Branch OperationsBank Rules and RegulationsBank LawsGranting LoansCredit Risk ManagementPresentation SkillsSales SkillsCustomer ServiceClient Relationship ManagementCommunicationNegotiationProblem SolvingInternal SkillsKhmerEnglishMicrosoft OfficeBank’s software

Schedule & Flexibility

Schedule:standard

Start date:Flexible/ASAP

About ABA Bank

Visit Website

Industry

Banking

More at ABA Bank

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About the role

Acquire and onboard medium loan clients, analyze and process their loan applications by conducting 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 guidelines 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, 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 Report including detailed loan appraisal writeup and financial analysis to submit for loan approval.
Explain to clients the different types of loans and credit options available as well as the terms of 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, and to develop relationships for further cross-selling.
Closely monitor recommended/processed loans for timely repayment and to ensure Portfolio At Risk remains within acceptable levels.
Work closely with Head Office to follow up on all post disbursement conditions and financial covenants and 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 for clients, and to take opportunities 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 types of loans and other financial services and products to better meet customer needs.
Perform other tasks as assigned.

Requirements

Fresh graduate or bachelor’s degree in finance and banking, accounting, or any relevant field.
None to less than one year of experience in banking and financial services industry.
Basic 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 internal 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 internal skill.
Strong dedication to accuracy and efficiency.