ABA Bank

Medium Loan Officer

Financeបានបង្ហោះ 1 mo ago

Location

Bakan District Branch - Boeung Khnar Commune

Job Type

FULLTIME

Experience

1+ Years

Experience level

កម្រិតសហការី

Work Mode

On-site

Industry

ធនាគារ

Languages

Khmer, English

អំពីតួនាទី និងភារកិច្ច

Acquire and onboard medium loan clients.
Analyze and process their loan applications by conducting 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 guidelines to ensure secured loans.
Collect all clients’ required documents for loan application to verify their eligibility.
Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, medium 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 to submit for loan approval.
Explain to clients the different types of loans and credit options available, as well as the terms of those services for further cross-selling.
Make regular site visits to existing customers to determine whether the loan should stay the same or be upgraded/downgraded due to the actual condition of their loan collateral and/or financial situation, as well as to develop relationships for further 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 all post disbursement conditions and financial covenants and ensure full compliance.
Follow up delinquent clients immediately and refer such 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, as well as to take the opportunity to cross-sell other banking products.
Handle clients’ issues or complaints to find an amicable solution and process to higher authority if needed.
Stay abreast of new types of loans and other financial services and products to better meet customer needs.

លក្ខខណ្ឌតម្រូវការងារ

Bachelor’s degree in finance and banking, accounting, or any relevant field.
Minimum one year of ing experiences in banking and financial services industry.
Good knowledge of the 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 interal 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 interal skill.
Strong dedication to accuracy and efficiency.

ជំនាញចាំបាច់

FinanceBankingAccountingBank branch operationsRules and regulationsLawsGranting loansCredit risk managementPresentation skillsSales skillsCustomer serviceClient relationship managementCommunicationNegotiationProblem solvingInterpersonal skillsKhmerEnglishMicrosoft OfficeBank’s software

កាលវិភាគការងារ និងភាពបត់បែន

Schedule:standard

Start date:Flexible/ASAP

អំពី ABA Bank

ចូលមើលគេហទំព័រ

Industry

ធនាគារ

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អំពីតួនាទី និងភារកិច្ច

Acquire and onboard medium loan clients.
Analyze and process their loan applications by conducting 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 guidelines to ensure secured loans.
Collect all clients’ required documents for loan application to verify their eligibility.
Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, medium 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 to submit for loan approval.
Explain to clients the different types of loans and credit options available, as well as the terms of those services for further cross-selling.
Make regular site visits to existing customers to determine whether the loan should stay the same or be upgraded/downgraded due to the actual condition of their loan collateral and/or financial situation, as well as to develop relationships for further 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 all post disbursement conditions and financial covenants and ensure full compliance.
Follow up delinquent clients immediately and refer such 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, as well as to take the opportunity to cross-sell other banking products.
Handle clients’ issues or complaints to find an amicable solution and process to higher authority if needed.
Stay abreast of new types of loans and other financial services and products to better meet customer needs.

លក្ខខណ្ឌតម្រូវការងារ

Bachelor’s degree in finance and banking, accounting, or any relevant field.
Minimum one year of ing experiences in banking and financial services industry.
Good knowledge of the 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 interal 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 interal skill.
Strong dedication to accuracy and efficiency.