ABA BankKrong Siem Reap (Angkor) BranchActive opening

ABA Bank

Mortgage Loan Officer

Banking/FinancePosted 1 d ago

Location

Krong Siem Reap (Angkor) Branch

Job Type

FULLTIME

Experience

1+ Years

Level

Mid

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 of the branch.
Maintain existing and build new mortgage clients in accordance with guidelines stated in the Mortgage loan policies and procedures to ensure secured loans.
Collect all clients’ required documents for loan application to verify their eligibility for the loan.
Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, corporate financial statements, and other financial information to prevent from being conned.
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 process to obtain in-depth information concerning the purpose of customer’s loan application and ensure sufficient and acceptable customer security for the loan.
Prepare and execute loan contracts and arrange loan disbursement timely and accurately to fulfil clients’ needs and satisfaction.
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.
Drive potential clients’ understanding about mortgage products, interest rates, and the application process to help them make informed decisions.
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 such as Loan quality, Loan growth, and Pricing Form.
Process registration of title deeds at local authorities and land offices to acquire the legal evidence of the client’s right to ownership of the property.
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 OperationsGranting LoansCredit Risk ManagementFinancial Document AnalysisCommunicationNegotiationRelationship ManagementAccuracyEfficiencyPresentation DeliveryMicrosoft OfficeBank's SoftwareKhmerEnglish

Schedule & Flexibility

Start date:Flexible/ASAP

About ABA Bank

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Industry

Banking/Finance

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