ABA BankHead Officeការងារសកម្ម

ABA Bank

Credit Relations Manager-Mortgage Loan

Financeបានបង្ហោះ 1 d ago

Location

Head Office

Job Type

FULLTIME

Experience

5+ Years

Experience level

កម្រិតមជ្ឈម

Work Mode

On-site

Industry

Financial Services

Languages

Khmer, English

ដាក់ពាក្យឥឡូវ

អំពីតួនាទី និងភារកិច្ច

Drive and support the mortgage loan team in the head office and branches to achieve lending targets through planning and monitoring performance, building client base, and maintaining client relationships.
Provide value-added comments in the Credit Appraisal Report for management support and other underwriting activities to ensure sound lending practices and maintain a high-quality mortgage loan portfolio.
Facilitate the tasks of the Head of Department in proposing to develop new mortgage loan products, policies, and pricing strategies based on market needs to boost and achieve loan targets.
Drive Unit’s performance through designing, assigning tasks, and continuous performance tracking, coaching, and feedback to ensure and maintain high performing team spirit.
Develop and implement sales strategies to achieve or exceed development goals and targets.
Actively participate in community events, industry conferences, and networking to increase visibility and attract new clients.
Identify new market opportunities and develop initiatives to capture the market.
Conduct market research to stay informed about industry trends and the competitive landscape.
Manage and overcome challenges, striving to find alternate solutions to grow the mortgage loan.
Conduct a site visit at clients’ home, premise (if applicable), and proffered collaterals during loan assessment process to obtain in-depth information concerning the soundness of their income and purpose of loan application and ensure sufficient and acceptable security for the mortgage loan.
Provide value-added comments in the Credit Appraisal Report for management approval as well as to monitor the loan portfolio for loan quality and continued profitability of the Bank.
Prepare pre-deal paper for management consideration prior to submission of formal loan application.
Continuously evaluate the risk associated with the loan portfolio to ensure it aligns with the Bank’s risk tolerance and regulatory requirements.
Monitor loan performance and implement strategies to mitigate risks.
Attend to detail with mortgage loan policy, guidelines, and other on-going rules to minimize errors, aiming for satisfaction audit and compliance rating.
Prepare detailed reports on the status of the loan portfolio, including metrics such as default rate, loan concentrations, and overall portfolio health.
Provide mortgage lending technical training and other soft skills related to equipping the team with the right skillsets and mindsets for the role.
Coach the team to properly assess creditworthiness of the client for proposing to the Credit Committees for approval of the credit proposals.
Discuss credit-related issues and loan packaging to provide sound financial advice and tailored solutions for the clients, as well as to take the opportunity to cross-sell other banking products.
Collaborate closely with line manager and internal team to ensure a smooth and efficient loan approval process.
Collaborate with colleagues to find solutions to complex loan scenarios and ensure a smooth transaction for the borrowers.
Participate in team meetings to discuss feedback, share best practices, and identify areas for improvement in the loan process.
Perform other tasks as assigned.

លក្ខខណ្ឌតម្រូវការងារ

Bachelor’s or Master’s Degree in Banking and Finance, administration, or other relevant.
Minimum five years of relevant experiences in banking, or medium-to-large lending function including experience in a managerial or leadership role.
Sound credit evaluation and analysis skills with extensive insights related to mortgage loan in Cambodia context.
Sound financial literacy and ability to interpret and analyze financial statements (audited and/or management reports) of the clients in order to access repayment capacity and financial soundness of the clients.
Sense of judgment and common sense with both qualitative and quantitative tools to provide sound and comprehensive analysis/evaluation on complex credit applications.
In-depth knowledge of the bank operations, rules and regulations, laws, granting loans, and credit risk management.
Excellent client relationship management, communication, negotiation, problem-solving, and interpersonal skills.
Demonstrated leadership & management ability and ability to motivate and empower team members.
Ability to do presentations and maintain professionalism.
Ability to use and communicate in both Khmer and English and/or other languages.
Proficient Microsoft Office and Bank’s software.

ជំនាញចាំបាច់

Credit EvaluationCredit AnalysisMortgage Loan Analysis (Cambodia Context)Financial LiteracyFinancial Statement AnalysisRepayment Capacity AssessmentFinancial Soundness AssessmentQualitative AnalysisQuantitative AnalysisBank Operations KnowledgeBanking Regulations KnowledgeLending Laws KnowledgeCredit Risk ManagementClient Relationship ManagementCommunicationNegotiationProblem-SolvingInterpersonal SkillsLeadershipManagement

អំពី ABA Bank

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Industry

Financial Services

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