ABA BankMittapheap BranchActive opening

ABA Bank

Medium Loan Officer

Banking/FinancePosted 1 d ago

Location

Mittapheap Branch

Job Type

OTHER

Experience

Fresh Graduate

Level

Entry

Work Mode

On-site

Industry

Banking/Finance

Languages

Khmer, English

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About the role

Acquire and onboard medium loan clients, analyze and process their loan applications through 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 policies and procedures to ensure secured loans.
Collect all required client documents for loan application to verify eligibility.
Gather valid applicants' financial records by obtaining and compiling copies of credit histories, financial statements, and other financial information.
Conduct credit investigation to analyze applicants' financial status, credit, property evaluations, and repayment capacity to determine feasibility of granting loans.
Conduct a site visit during loan assessment to obtain in-depth information concerning the purpose of the loan application and ensure sufficient and acceptable customer security.
Process and prepare Credit Appraisal Report including detailed loan appraisal write-up and detailed financial analysis of clients for loan approval.
Explain different loan types and credit options available, as well as service terms, for further cross-selling.
Make regular site visits to existing customers to determine loan status (same, upgraded/downgraded) based on collateral and/or financial situation, and to develop customer relationships for cross-selling.
Closely monitor recommended/processed loans for timely repayment and ensure Portfolio At Risk remains within acceptable levels.
Work closely with Head Office to follow up on post-disbursement conditions and financial covenants to ensure 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 sound financial advice and tailored solutions for clients, and to cross-sell other banking products.
Handle clients' issues or complaints to find amicable solutions and escalate to higher authority if needed.
Stay abreast of new loan types and financial services and products to better meet customer needs.

Requirements

Fresh graduate or bachelor’s degree in finance and banking, accounting, or any relevant field.
None to less than one year of experience in banking and financial services industry.
Basic knowledge of 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 internal 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 internal skill.
Strong dedication to accuracy and efficiency.

Required Skills

FinanceBankingAccountingBank Branch OperationsRules and RegulationsLawsGranting LoansCredit Risk ManagementPresentation SkillsSales SkillsCustomer ServiceClient Relationship ManagementCommunicationNegotiationProblem SolvingInternal SkillsMicrosoft OfficeBank's softwareMath SkillsAccuracy

Schedule & Flexibility

Start date:Flexible/ASAP

About ABA Bank

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Industry

Banking/Finance

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