ABA BankSoutr Nikom District Branch - Dam Daek CommuneActive opening

ABA Bank

Small Loan Officer

Banking/FinancePosted 10 hr ago

Location

Soutr Nikom District Branch - Dam Daek Commune

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 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 statements, and other financial information.
Conduct a site visit during loan assessment process to obtain in-depth information concerning the purpose of customer’s loan application and ensure customer security for the loan is sufficient and acceptable.
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, as well as to develop relationships with customers for further cross-selling.
Follow up delinquent clients immediately and refer such cases to the supervisor in order to proactively handle the branch loan portfolio.
Process registration of title deeds at the local authority and land office to acquire legal evidence of the client’s right to ownership of the property.
Stay abreast of new types of loans and other financial services and products to better meet customer needs.

Requirements

High Diploma or associate degree in finance and banking, accounting, or any relevant field.
Less than one year of experience.
Ability to use and communicate in both Khmer and English.
Ability to use Microsoft Office.
Good sales and customer services skills.
Good math skills and ability to spot numerical errors.
Good problem-solving, negotiation, and interal skills.
Strong dedication to accuracy and efficiency.

Required Skills

FinanceBankingAccountingKhmerEnglishMicrosoft OfficeSalesCustomer ServicesMath SkillsProblem-solvingNegotiationInterpersonal SkillsAccuracyEfficiency

Schedule & Flexibility

Start date:Flexible/ASAP

About ABA Bank

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Industry

Banking/Finance

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