ABA Bank

Senior Small Business Loan Officer

Financeបានបង្ហោះ 4 hr ago

Location

Chaom Chau Branch

Job Type

FULLTIME

Experience

2+ Years

Experience level

កម្រិតសហការី

Work Mode

On-site

Industry

ធនាគារ

Languages

Khmer, English

ការពិពណ៌នា

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.
Coach, mentor, and train less experienced Small Loan Officers and new comers to ensure all operational support and lending functions are accurately performed in accordance with the Bank’s small loan policies as well as adhere to the government and NBC regulations.
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, and 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 sufficient and acceptable loan security.
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 to proactively handle the branch loan portfolio.
Process registration of title deeds at local authorities and land offices to acquire legal evidence of 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.
Handle complex customers’ issues whenever Small Loan Officers could not by remaining calm and executing excellent customer service principles to find an amicable solution for all.
Resolve team routine and complex issues to maintain productivity and morale.
Act as a role model within the team to question, listen, and give actionable feedback carefully to create a productive atmosphere towards a “speak up culture”.
Perform other tasks as assigned.

លក្ខខណ្ឌតម្រូវការងារ

Bachelor’s degree in finance and banking, accounting, or any relevant field.
Minimum two years of experiences in banking and financial services industry with a strong track record in granting loans.
Excellent knowledge of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.
Ability to use and communicate in both Khmer and English.
Proficient in Microsoft Office and Bank’s software.
Good sales and customer services skills.
Good math skills and ability to spot numerical errors.
Good problem-solving, negotiation, and internal skills.
Strong dedication to accuracy and efficiency.

ជំនាញចាំបាច់

finance and bankingaccountingbanking and financial servicesgranting loansbank branch operationsrules and regulationslawscredit risk managementKhmerEnglishMicrosoft OfficeBank’s softwaresalescustomer servicesmath skillsspot numerical errorsproblem-solvingnegotiationinternal skillsaccuracy

កាលវិភាគការងារ និងភាពបត់បែន

Start date:Flexible/ASAP

អំពី ABA Bank

Industry

ធនាគារ

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ការពិពណ៌នា

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.
Coach, mentor, and train less experienced Small Loan Officers and new comers to ensure all operational support and lending functions are accurately performed in accordance with the Bank’s small loan policies as well as adhere to the government and NBC regulations.
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, and 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 sufficient and acceptable loan security.
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 to proactively handle the branch loan portfolio.
Process registration of title deeds at local authorities and land offices to acquire legal evidence of 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.
Handle complex customers’ issues whenever Small Loan Officers could not by remaining calm and executing excellent customer service principles to find an amicable solution for all.
Resolve team routine and complex issues to maintain productivity and morale.
Act as a role model within the team to question, listen, and give actionable feedback carefully to create a productive atmosphere towards a “speak up culture”.
Perform other tasks as assigned.

លក្ខខណ្ឌតម្រូវការងារ

Bachelor’s degree in finance and banking, accounting, or any relevant field.
Minimum two years of experiences in banking and financial services industry with a strong track record in granting loans.
Excellent knowledge of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.
Ability to use and communicate in both Khmer and English.
Proficient in Microsoft Office and Bank’s software.
Good sales and customer services skills.
Good math skills and ability to spot numerical errors.
Good problem-solving, negotiation, and internal skills.
Strong dedication to accuracy and efficiency.