ABA BankKhan Russey Keo Branch - Sangkat Chrang Chamreh Ti MuoyActive opening

ABA Bank

Mortgage Loan Officer

Banking/FinancePosted 1 d ago

Location

Khan Russey Keo Branch - Sangkat Chrang Chamreh Ti Muoy

Job Type

FULLTIME

Experience

1+ Years

Level

Entry

Work Mode

On-site

Industry

Banking/Finance

Languages

Khmer, English

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About the role

Process and analyze mortgage loan applications of individual and corporate clients by conducting credit investigations, scoring, credit checking, and other underwriting activities to ensure good lending and loan quality.
Maintain existing and build new mortgage clients in accordance with guidelines to ensure secured loans.
Collect required documents for loan applications to verify eligibility.
Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, corporate 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.
Prepare and execute loan contracts and arrange loan disbursement timely and accurately.
Explain different types of loans and credit options, as well as terms of services for further cross-selling.
Drive potential clients' understanding about mortgage products, interest rates, and the application process.
Make regular site visits to existing customers to determine loan status and develop relationships for further cross-selling.
Follow up delinquent clients immediately and refer cases to the supervisor.
Process registration of title deeds at local authority and land office to acquire legal evidence of ownership.
Perform other tasks as assigned.

Requirements

Bachelor’s Degree in Finance and Banking, Accounting, or any relevant field.
Minimum one year of experience in mortgage, lending, banking, and financial services.
Excellent knowledge of bank branch operations, rules and regulations, laws, granting loans, and credit risk management.
Excellent communication, negotiation, and relationship management skills.
Strong knowledge of mortgage loan policies, credit analysis, and property evaluation.
Strong dedication to accuracy and efficiency.
Ability to analyze financial documents and assess credit risk.
Ability to deliver presentations effectively.
Ability to use and communicate in both Khmer and English.
Ability to use Microsoft Office and Bank’s software.

Required Skills

Mortgage loan policiesCredit analysisProperty evaluationBank branch operationsRules and regulationsLawsGranting loansCredit risk managementFinancial documents analysisCommunicationNegotiationRelationship managementAccuracyEfficiencyPresentation deliveryKhmerEnglishMicrosoft Office

Schedule & Flexibility

Start date:Flexible/ASAP

About ABA Bank

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Industry

Banking/Finance

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