ABA Bank

Large Business Loan Officer - Level 1

Financeបានបង្ហោះ 0 mo ago

Location

Independent Monument Branch

Job Type

FULLTIME

Experience

2+ Years

Experience level

កម្រិតសហការី

Work Mode

On-site

Industry

ធនាគារ

Languages

Khmer, English

អំពីតួនាទី និងភារកិច្ច

Acquire and onboard large loan clients, analyze and process loan applications through credit investigations, scoring, credit checking, and underwriting activities to ensure good lending and loan quality.
Maintain existing and build new client pools according to credit policy and procedures.
Discuss credit-related issues and loan packaging to provide financial advice and tailored solutions, and cross-sell other banking products.
Collect required documents for loan application processing to verify eligibility.
Gather applicants’ financial records by obtaining and compiling credit histories, financial statements, and other financial information to prevent fraud.
Conduct site visits at clients’ premises and proffered collaterals during loan assessment to obtain in-depth information about their soundness and loan purpose, and ensure sufficient security.
Verify documents and ensure the authenticity and completeness of documents received from borrowers.
Process and prepare Credit Appraisal Reports including detailed loan appraisal write-ups and financial analysis for loan approval submission.
Execute loan contracts and arrange timely and accurate loan disbursement.
Make regular site visits to existing clients to determine loan and collateral conditions and develop client relationships for retention.
Closely monitor recommended/processed loans for timely repayment and ensure Portfolio At Risk remains within acceptable levels.
Work closely with Head Office to follow up on post-disbursement conditions and financial covenants for full compliance.
Follow up on delinquent clients immediately and refer cases to higher authority to manage the Branch’s loan portfolio.
Handle complex clients’ issues or complaints to find amicable solutions and escalate if needed.
Stay abreast of new loan types and financial services to better meet customer needs.
Act as a role model within the team by questioning, listening, and giving actionable feedback to create a productive atmosphere.

លក្ខខណ្ឌតម្រូវការងារ

Bachelor’s degree in finance and banking, accounting, or any relevant field.
Minimum two years of experience in banking and financial services industry with a strong track record in credit function.
In-depth knowledge of bank branch operations, rules and regulations, laws, loans, and credit risk management.
Excellent sales skills, customer relationship building, and networking.
Excellent customer service, client relationship management, communication, negotiation, problem-solving, and interpersonal skills.
Demonstration of critical thinking, professional communication, assertiveness, and team dynamics.
Credit evaluation and analysis skills with extensive insights related to large loans in Cambodia context.
Financial literacy and ability to interpret and analyze financial statements (audited and/or management reports) to assess repayment capacity and financial soundness of clients.
Sense of judgment and common sense with both qualitative and quantitative tools to provide sound and comprehensive analysis/evaluation on complex credit applications.
Ability to use and communicate in both Khmer and English and/or other languages.
Proficient in Microsoft Office and Bank’s software.
Strong dedication to accuracy and efficiency.

ជំនាញចាំបាច់

Finance and BankingAccountingBanking and Financial Services IndustryCredit FunctionBank Branch OperationsBank Rules and RegulationsBanking LawsLoansCredit Risk ManagementSales SkillsCustomer Relationship BuildingNetworkingCustomer ServiceClient Relationship ManagementCommunicationNegotiationProblem-SolvingInterpersonal SkillsCritical ThinkingProfessional Communication

កាលវិភាគការងារ និងភាពបត់បែន

Schedule:standard

Start date:Flexible/ASAP

អំពី ABA Bank

ចូលមើលគេហទំព័រ

Industry

ធនាគារ

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ដាក់ពាក្យឥឡូវ

អំពីតួនាទី និងភារកិច្ច

Acquire and onboard large loan clients, analyze and process loan applications through credit investigations, scoring, credit checking, and underwriting activities to ensure good lending and loan quality.
Maintain existing and build new client pools according to credit policy and procedures.
Discuss credit-related issues and loan packaging to provide financial advice and tailored solutions, and cross-sell other banking products.
Collect required documents for loan application processing to verify eligibility.
Gather applicants’ financial records by obtaining and compiling credit histories, financial statements, and other financial information to prevent fraud.
Conduct site visits at clients’ premises and proffered collaterals during loan assessment to obtain in-depth information about their soundness and loan purpose, and ensure sufficient security.
Verify documents and ensure the authenticity and completeness of documents received from borrowers.
Process and prepare Credit Appraisal Reports including detailed loan appraisal write-ups and financial analysis for loan approval submission.
Execute loan contracts and arrange timely and accurate loan disbursement.
Make regular site visits to existing clients to determine loan and collateral conditions and develop client relationships for retention.
Closely monitor recommended/processed loans for timely repayment and ensure Portfolio At Risk remains within acceptable levels.
Work closely with Head Office to follow up on post-disbursement conditions and financial covenants for full compliance.
Follow up on delinquent clients immediately and refer cases to higher authority to manage the Branch’s loan portfolio.
Handle complex clients’ issues or complaints to find amicable solutions and escalate if needed.
Stay abreast of new loan types and financial services to better meet customer needs.
Act as a role model within the team by questioning, listening, and giving actionable feedback to create a productive atmosphere.

លក្ខខណ្ឌតម្រូវការងារ

Bachelor’s degree in finance and banking, accounting, or any relevant field.
Minimum two years of experience in banking and financial services industry with a strong track record in credit function.
In-depth knowledge of bank branch operations, rules and regulations, laws, loans, and credit risk management.
Excellent sales skills, customer relationship building, and networking.
Excellent customer service, client relationship management, communication, negotiation, problem-solving, and interpersonal skills.
Demonstration of critical thinking, professional communication, assertiveness, and team dynamics.
Credit evaluation and analysis skills with extensive insights related to large loans in Cambodia context.
Financial literacy and ability to interpret and analyze financial statements (audited and/or management reports) to assess repayment capacity and financial soundness of clients.
Sense of judgment and common sense with both qualitative and quantitative tools to provide sound and comprehensive analysis/evaluation on complex credit applications.
Ability to use and communicate in both Khmer and English and/or other languages.
Proficient in Microsoft Office and Bank’s software.
Strong dedication to accuracy and efficiency.