ABA Bank

Credit Monitoring Officer

Banking/FinancePosted 21 hr ago

Location

Head Office

Job Type

FULLTIME

Experience

Fresh Graduate

Level

Entry

Work Mode

On-site

Industry

Banking/Finance

Languages

Khmer, English

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About the role

Execute and implement credit monitoring processes, including checking completed disbursed loan files from Branches and Credit Operations Department, and following up on pending/missing loan documents with loan officers.
Analyze approved and disbursed loans from branches and make recommendations to the management team for further actions to ensure compliance and minimize associated risks.
Check and review all disbursed loan documents from branches and the Credit Operations Department regarding approved terms and conditions to ensure compliance with the Bank’s policies/procedures.
Review and utilize credit document checklists against supporting documents (Signature, Terms and Conditions, and other required fields) and ensure proper filing of clients’ files.
Ensure all transaction errors are recorded properly into the Bank’s internal loan system.
Daily review Loan Utilization Monitoring and prepare a list for sending to branches for further actions.
Ensure the utilization submitted from respective branches are reviewed on time.
Regularly track and follow up with Branches of Client Lists to obtain confirmed results of Loan Utilization.
Obtain supporting documents to verify the correctness of Loan Utilization in order to update the status into the Bank’s system and ensure all supporting documents are stored in the system.
Monitor loan insurance policies to alert loan officers to renew before expiration dates and minimize risks associated with expired insurance.
Review Terms and Conditions of approved loans based on committee resolutions for special cases, and properly track input data and follow up with the respective branch in a timely manner.
Work closely with the Legal Team and Branches on Soft Title collateral changed to/replaced with strong titles to ensure legal agreements are served as references.
Generate Overdraft (OD) facilities where deposit amounts are not sufficient to cover interest payments, which shall be reported to the respective Loan Officer/Branch Manager to discuss with the client for improving transactions in the account on a monthly basis.
Prepare monthly reports of transaction volumes that remain unsatisfactory for the past two months and prepare a list of clients and submit to management to take appropriate action, either to restructure the OD facility to a Term Loan or to call back the facility.
Monitor monthly Loan Customer Audit reports to remind branches and ensure client annual reviews are conducted by branches following the Bank’s policies.
Prepare monthly and quarterly credit monitoring reports for the line manager.
Perform other tasks as assigned by the Line Manager.

Requirements

Bachelor’s degree in Finance and Banking, Economics, Administration, or related fields.
Fresh graduate or less than one year of relevant experience in credit, administration, or any relevant field.
Basic understanding of banking rules, regulations, compliance, and risk management.
Good document preparation, filing, and administration skills.
Good interpersonal skills, communication, follow-up, and people handling skills.
Good negotiation, convincing, and problem-solving skills.
Strong attention to details, patience, and process-oriented attributes.
Ability to use Microsoft Word, Excel, and Outlook.
Ability to use and communicate in both Khmer and English.

Required Skills

FinanceBankingEconomicsAdministrationCreditBanking rulesRegulationsComplianceRisk managementDocument preparationFilingInterpersonal skillsCommunicationFollow-upPeople handling skillsNegotiationConvincingProblem-solving skillsAttention to detailsPatience

Schedule & Flexibility

Schedule:standard

About ABA Bank

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Industry

Banking/Finance

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