ABA Bank

Medium Loan Officer

Financeបានបង្ហោះ 2 mo ago

Location

Kaoh Thum District Branch - Preaek Thmei 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 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 medium loan policies and procedures to ensure secured loans.
Collect all required client 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 loan feasibility.
Conduct site visits during loan assessment to obtain in-depth information concerning the loan application purpose and ensure sufficient and acceptable customer security.
Process and prepare Credit Appraisal Reports including detailed loan appraisal writeups and financial analysis to submit 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 and develop relationships for further cross-selling.
Closely monitor recommended/processed loans for timely repayment and ensure Portfolio At Risk remains within acceptable levels.
Closely work 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, and to cross-sell other banking products.
Handle client issues or complaints to find amicable solutions and process to higher authority if needed.
Stay abreast of new loan types and 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 experience 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

finance and bankingaccountingbanking and financial services industry experiencebank branch operationsrules and regulationslawsgranting loanscredit risk managementpresentation skillssales skillscustomer serviceclient relationship managementcommunicationnegotiationproblem solvinginteral skillsKhmerEnglishMicrosoft OfficeBank’s software