ABA BankPreah Sihanouk Provincial BranchActive opening

ABA Bank

Mortgage Loan Officer

Banking/FinancePosted 1 d ago

Location

Preah Sihanouk Provincial Branch

Job Type

FULLTIME

Experience

1+ Years

Level

Mid

Work Mode

On-site

Industry

Banking/Finance

Languages

Khmer, English

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About the role

Process and analyze mortgage loan applications for individual and corporate clients by conducting credit investigations, scoring, credit checking, and other underwriting activities to ensure good lending and loan quality.
Maintain existing and build new mortgage clients in accordance with the Mortgage loan policies and procedures to ensure secured loans.
Collect all required documents from clients for loan applications to verify their eligibility.
Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, corporate financial statements, and other financial information.
Conduct credit investigations to analyze applicants’ financial status, credit, property evaluations, and repayment capacity to determine the feasibility of granting loans.
Conduct site visits during the loan assessment process to obtain in-depth information regarding the purpose of the customer’s loan application and ensure sufficient and acceptable customer security.
Prepare and execute loan contracts and arrange loan disbursements timely and accurately to fulfill clients’ needs and satisfaction.
Explain to clients the different types of loans and credit options available, as well as the terms of those services for further cross-selling.
Drive potential clients’ understanding of mortgage products, interest rates, and the application process to help them make informed decisions.
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 with delinquent clients immediately and refer such cases to the supervisor to proactively handle the branch loan portfolio, including loan quality, loan growth, and pricing.
Process the 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.
Perform other tasks as assigned.

Requirements

Bachelor’s Degree in Finance and Banking, Accounting, or any relevant field.
Minimum one year of experience in mortgage, lending, banking, and financial services.
Excellent knowledge of bank branch operations, rules and regulations, laws, granting loans, and credit risk management.
Excellent communication, negotiation, and relationship management skills.
Strong knowledge of mortgage loan policies, credit analysis, and property evaluation.
Strong dedication to accuracy and efficiency.
Ability to analyze financial documents and assess credit risk.
Ability to deliver presentations effectively.
Ability to use and communicate in both Khmer and English.
Ability to use Microsoft Office and Bank’s software.

Required Skills

MortgageLendingBankingFinancial ServicesBank Branch OperationsGranting LoansCredit Risk ManagementMortgage Loan PoliciesCredit AnalysisProperty EvaluationFinancial Documents AnalysisCommunicationNegotiationRelationship ManagementAccuracyEfficiencyPresentation DeliveryMicrosoft OfficeBank's softwareKhmer

Schedule & Flexibility

Start date:Flexible/ASAP

About ABA Bank

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Industry

Banking/Finance

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