ABA Bank

Senior Large Business Loan Officer

FinancePosted 2 w ago

Location

Takeo Provincial Branch

Job Type

FULLTIME

Experience

3+ Years

Experience level

Associate

Work Mode

On-site

Industry

Banking/Finance

Languages

Khmer, English

Description

To acquire and onboard large loan clients as well as analyze and process their loan application by conducting credit investigations, scoring, credit checking, and other underwriting activities in order to ensure good lending and loan quality of Large Loan of the Branch.
Maintain existing and build new clients pool in accordance with the guidelines stated in the credit policy and procedure.
Discuss credit-related issues and loan packaging to provide sound financial advices and tailored solutions for the clients as well as to take the opportunity to cross-sell other banking products.
Collect all required documents from clients for loan application processing to verify their eligibility for the loan.
Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, large financial statement and other financial information from original documents in order to prevent from being conned.
Conduct a site visit at clients’ premise and proffered collaterals during loan assessment process to obtain in-depth information concerning to the soundness of their and purpose of loan application and ensure sufficient and acceptable security for the loan.
Verify documents and ensure the authenticity and completeness of documents received from the borrowers.
Process and prepare Credit Appraisal Report including detailed loan appraisal writeup and detailed financial analysis of the clients in order to submit to higher authority for loan approval.
Execute loan contracts and arrange loan disbursement timely and accurately to fulfill clients’ needs and satisfactions.
Make regular site visits to existing clients to determine the actual conditions of the and loan collateral whether it should remain the same or be upgraded/downgraded as well as to develop relationship with clients as part of retention strategies.
Closely monitor on recommended/processed loan for timely repayment and to ensure Portfolio At Risk remains within acceptable level.
Follow up delinquent clients immediately and refer such case to higher authority to actively handle the Branch’s loan portfolio.
Handle complex clients’ issues or complaints to find an amicable solution for all and process to higher authority if needed.
Stay abreast of new types of loans and other financial services and products to better meet customer needs.
Act as a role model within the team to question, listen and give actionable feedback carefully in order to create a productive atmosphere towards “speak up culture”.

Requirements

Bachelor’s degree in finance and banking, accounting, or any relevant field.
Minimum three years of banking experiences with a strong track record in banking or large lending function.
In-depth knowledge of the 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.
Strong critical thinking skills, professional communication skills, assertiveness, and team dynamic.
Strong 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) of the clients in order to access repayment capacity and financial soundness of the clients.
Sense of judgement 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.
Proficient Microsoft Office and Bank’s software.
Strong dedication to accuracy and efficiency.

Required Skills

Finance and bankingAccountingBanking operationsRules and regulations complianceLoans and credit risk managementSalesCustomer relationship buildingNetworkingCustomer serviceCommunicationNegotiationProblem solvingInterpersonal skillsCritical thinkingAssertivenessTeam dynamicCredit evaluation and analysisFinancial literacyFinancial statement analysisQualitative and quantitative analysis