ABA BankBorei Keyla BranchActive opening

ABA Bank

Medium Business Loan Officer - Level 1

FinancePosted 2 d ago

Location

Borei Keyla Branch

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

Acquire and onboard medium loan clients, analyze and process 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 medium loan policies and procedures to ensure secured loans.
Collect required documents for loan applications to verify eligibility.
Gather valid applicants’ financial records, credit histories, financial statements, and other financial information.
Conduct credit investigation to analyze applicants’ financial status, credit, property evaluations, and repayment capacity to determine loan feasibility.
Conduct site visits during loan assessment to obtain in-depth information regarding loan application purpose and ensure sufficient customer security.
Process and prepare Credit Appraisal Report including loan appraisal write-up and financial analysis to submit for loan approval.
Explain different loan types and credit options, and service terms for cross-selling.
Make regular site visits to existing customers to assess loan status and develop customer relationships for cross-selling.
Closely monitor recommended/processed loans for timely repayment and to keep Portfolio At Risk within acceptable levels.
Work closely with Head Office to follow up on post-disbursement conditions and financial covenants for full compliance.
Follow up delinquent clients immediately and refer cases to the supervisor to proactively handle the branch loan portfolio.
Discuss credit-related issues and loan packaging to provide 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 and 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 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

FinanceBankingAccountingBank branch operationsBank rules and regulationsBanking lawsGranting loansCredit risk managementPresentation skillsSales skillsCustomer serviceClient relationship managementCommunicationNegotiationProblem solvingInterpersonal skillsKhmerEnglishMicrosoft OfficeBank's software

Schedule & Flexibility

Schedule:standard

Start date:Flexible/ASAP

About ABA Bank

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Industry

Financial Services

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