To process and analyze small business loan application by conducting credit investigations, scoring, credit checking and other underwriting activities to ensure good lending and loan quality of the branch.
- Solicit both potentially existing and new clients in accordance with the guidelines stated in the small business loan policies and procedures to ensure the secured loans.
- On-board new small business loans to ensure delivery of disbursement target.
- 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.
- Collect all clients’ required documents for loan application to ensure their eligibility to have it approved.
- Conduct credit investigation to analyze applicants’ financial status, credit, property evaluations, repayment capacity to determine feasibility of granting loans.
- Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, corporate financial statement and other financial information to prevent them from being conned.
- Conduct a site visit during loan assessment process to obtain in-depth information concerning to the purpose of customer’s loan application and ensure customer security for the loan is sufficient and acceptable.
- Follow up delinquent client immediately and refer such case to the supervisor in order to proactively handle the branch loan portfolio.
- Process registration of title deeds at local authority and land office to acquire the legal evidence of client’s right to ownership of the property.
- Perform other tasks as assigned.
- High School Diploma or Associate Degree in finance and banking, accounting and/or relevant field.
- Fresh graduate or less than one year of working experience in credit/loan processing, sales or customer services is an advantage.
- Good sales, problem solving, negotiation, and customer service skills.
- Good understanding of banking products and service/lending part is preferable.
- Hardworking, commitment, ability to communicate and self-motivated person.
- Be able to travel based on location set.
- Ability to use and communicate in both Khmer and English.
- Ability to use Microsoft Office.
- Good math skills and ability to spot numerical errors.
- Strong dedication to accuracy and efficiency.
