• Provide effective supervision and oversight of an assigned small loan team, ensuring established policies are followed and service quality standards are achieved.
• Evaluate, authorize, and recommend approval of small loan applications based on knowledge of banking rules, regulations, and small loan policies.
• Exercise direct supervision over all small loan personnel to ensure smooth day-to-day operations.
• Monitor team activities, including designing tasks, assigned duties, responsibilities, coaching, and performance reviews.
• Take the lead in promoting the Bank’s small loan products, particularly through customer orientation, to improve the quality of the Bank’s small loan portfolio.
• Conduct site visits to customers’ properties according to the bank’s policy to ensure proper granting of loans.
• Review all small loan applications thoroughly to prevent loan application fraud.
• Manage late payments and small loan defaults by providing the team with professional methodologies for follow-up, re-evaluation, and restructuring of clients’ loans.
• Collaborate closely with the loan recovery team to ensure successful recovery of loans.
• Drive the team to achieve individual performance targets and overcome challenges through regular pipeline meetings.
• Prepare daily, weekly, and monthly small loan disbursement reports, and conduct daily monitoring of accounts to maintain the branch’s positive cash flow and proactively manage the team’s small loan portfolio.
• Ensure the team clearly explains payment terms and conditions in the contract, including late fees, to clients to ensure timely loan payment collection and minimize client defaults.
• Report and update the line manager on all activities and status of loan products, as well as problems and issues encountered during the implementation of the Bank’s small loan policies.
• Conduct 100% actual verification and validation of micro loan applications and accounts for better internal control purposes.
• Provide constructive feedback to improve the branch’s operational policy and guidelines.
• Handle complex customer issues when Small Loan Officers cannot, by remaining calm and executing excellent customer service principles to find amicable solutions.
• Resolve routine and complex team issues to maintain productivity and morale.
• Act as a role model within the team by questioning, listening, and giving actionable feedback carefully to create a productive atmosphere towards a “speak up culture.”.

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 granting loans; Excellent knowledge of bank branch operations, rules and regulations, laws, granting loans, and credit risk management; Ability to use and communicate in both Khmer and English; Proficient in Microsoft Office and Bank’s software; Excellent sales and customer services skills; Good math skills and ability to spot numerical errors; Good team leadership, management, problem-solving, negotiation, and interpersonal skills; Strong dedication to accuracy and efficiency.