ABA Bank

Small Loan Officer

Banking/FinancePosted 17 hr ago

Location

Preah Sihanouk Provincial Branch

Job Type

FULLTIME

Experience

Fresh Graduate

Level

Entry

Work Mode

On-site

Industry

Banking/Finance

Languages

Khmer, English

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About the role

Process and analyze small loan applications by conducting credit investigations, scoring, credit checking, and other underwriting activities to ensure good lending and loan quality of the branch.
Solicit both potentially existing and new clients in accordance with the guidelines stated in the small loan policies and procedures to ensure the secured loans.
On-board new small loans to ensure delivery of disbursement target.
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.
Collect all clients’ required documents for loan application to ensure their eligibility to have it approved.
Conduct credit investigation to analyze applicants’ financial status, credit, property evaluations, repayment capacity to determine feasibility of granting loans.
Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, corporate financial statement and other financial information to prevent them from being conned.
Conduct a site visit during loan assessment process to obtain in-depth information concerning to the purpose of customer’s loan application and ensure customer security for the loan is sufficient and acceptable.
Follow up delinquent client immediately and refer such case to the supervisor in order to proactively handle the branch loan portfolio.
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

High Diploma or Associate Degree in finance and banking, accounting and/or relevant field.
Fresh graduate or less than one year of experience in credit/loan processing, sales or customer services is an advantage.
Good sales, problem solving, negotiation, and customer service skills.
Good understanding of banking products and service/lending part is preferable.
Harding, commitment, ability to communicate and self-motivated.
Be able to travel based on location set.
Ability to use and communicate in both Khmer and English.
Ability to use Microsoft Office.
Good math skills and ability to spot numerical errors.
Strong dedication to accuracy and efficiency.

Required Skills

finance and bankingaccountingcredit/loan processingsalescustomer servicesproblem solvingnegotiationbanking products and service/lendingHardingcommitmentability to communicateself-motivatedtravelKhmerEnglishMicrosoft Officemath skillsspot numerical errorsdedication to accuracyefficiency

Schedule & Flexibility

Start date:Flexible/ASAP

About ABA Bank

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Industry

Banking/Finance

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