Advanced Bank of Asia Ltd. (ABA Bank)

Self-Banking

Banking/FinancePosted 7/18/2026

Location

Phnom Penh

Job Type

OTHER

Experience

3+ Years

Level

Mid

Work Mode

On-site

Industry

Banking/Finance

Languages

Khmer, English

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About the role

Acquire and onboard potential individual/corporate mortgage loan clients by evaluating and processing loan applications, performing credit investigations, scoring, and credit checking, along with other underwriting activities to ensure sound lending practices and maintain a high-quality mortgage loan portfolio.
Develop and implement sales strategies to achieve or exceed business development goals and targets.
Establish and maintain strong relationships with property developers, real estate agents, and other referral sources to generate new business opportunities.
Actively participate in community events, industry conferences, and networking groups to increase visibility and attract new clients.
Identify new market opportunities and develop initiatives to capture the market.
Conduct market research to stay informed about industry trends and the competitive landscape.
Manage and overcome challenges, striving to find alternate solutions to grow the mortgage loan.
Conduct a site visit at clients’ home, business premise (if applicable) and proffered collaterals during loan assessment process to obtain in-depth information concerning the soundness of their, income, business and purpose of loan application and ensure sufficient and acceptable security for the mortgage loan.
Collect all required documents from clients for loan application processing to verify their eligibility for the loan.
Manage and maintain a profitable mortgage loan portfolio.
Continuously evaluate the risk associated with the loan portfolio to ensure it aligns with the Bank’s risk tolerance and regulatory requirements.
Monitor loan performance and implement strategies to mitigate risks.
Attend to detail to mortgage loan policy, guidelines, and other on-going business rules to minimize the error aiming for satisfaction audit and compliance rating.
Prepare detailed reports on the status of the loan portfolio, including metrics such as default rate, loan concentrations, and overall portfolio health.
Discuss credit-related issues and loan packaging to provide sound financial advice and tailored solutions for the clients as well as to take the opportunity to cross-sell other banking products.
Work closely with line manager and internal team to ensure a smooth and efficient loan approval process.
Collaborating with colleagues to find solutions to complex loan scenarios and ensure a smooth transaction for the borrowers.
Participating in team meetings to discuss feedback, share best practices and identify areas for improvement in the loan process.

Requirements

Bachelor’s degree or higher in Banking and Finance, business administration and/or relevant fields.
Minimum three years of experience in mortgage lending with at least one year in managerial position.
Strong knowledgeable on market developments and opportunities around banking, and financial services.
Excellent sales, credit assessment, client relationship management, communication, negotiation, problem solving and interpersonal skills.
Highly committed, straight-forward with integrity and personality.
Positive thinking, solution orientation, and the ability to work across departments.
Ability to use and communicate in both Khmer and English and/or other languages.
Proficient Microsoft Office and Bank’s software.

Required Skills

Mortgage LendingManagerial SkillsMarket AnalysisSalesCredit AssessmentClient Relationship ManagementCommunicationNegotiationProblem SolvingInterpersonal SkillsIntegritySolution OrientationCross-departmental CollaborationKhmerEnglishMicrosoft OfficeBank's software

Schedule & Flexibility

Schedule:standard

About Advanced Bank of Asia Ltd. (ABA Bank)

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ABA Bank is a leading bank in Cambodia, offering a wide range of banking and financial services.

Industry

Banking/Finance

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