Medium Loan Officer Jobs in Cambodia at ABA Bank

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ABA BankRussey Keo BranchActive opening

ABA Bank

Medium Loan Officer

FinancePosted 2 w ago

Location

Russey Keo Branch

Job Type

FULLTIME

Experience

1+ Years

Level

Entry Level

Work Mode

On-site

Languages

Khmer, English

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About the role

Identify lending target customers and deliver assigned loan targets for the medium loan team.
Ensure loan assessment complies with credit policies and service quality is satisfactory for customers.
Involve in credit assessment with medium loan staff from the beginning until the end of the loan process, including presenting loan applications to authorized approval parties.
Lead the assigned team with charisma and responsibility to achieve set loan targets and maintain good loan portfolio quality.
Maintain existing and build new medium clients according to medium loan policies and procedures to ensure secured loans.
Collect clients' required documents for loan application and verify their eligibility.
Gather valid applicants' financial records by obtaining and compiling copies of clients' credit histories, medium financial statements, and other financial information to prevent fraud.
Conduct credit investigation to analyze applicants' financial status, credit, property evaluations, and repayment capacity to determine loan feasibility.
Conduct site visits during loan assessment to obtain in-depth information regarding the loan purpose and ensure sufficient customer security.
Process and prepare Credit Appraisal Reports, including detailed loan appraisal write-ups and financial analysis, for submission to higher authority for loan approval.
Explain different loan types, credit options, and service terms to clients for cross-selling.
Make regular site visits to existing customers to assess loan collateral and financial situations, and to develop customer relationships for further cross-selling.
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 all post-disbursement conditions and financial covenants, ensuring full compliance.
Follow up with delinquent clients immediately and refer such cases to the supervisor to proactively handle the branch loan portfolio.
Discuss credit-related issues and loan packaging to provide sound financial advice and tailored solutions for clients, and to cross-sell other banking products.
Handle clients' issues or complaints to find amicable solutions and process to higher authority if needed.
Stay abreast of new loan types and other financial services and products to better meet customer needs.

Requirements

Bachelor’s degree in finance and banking, accounting, or any relevant field.
Minimum one year of experience in banking and financial services industry.
Good knowledge of bank branch operations, rules and regulations, laws, granting loans, and credit risk management.
Demonstration of presentation and sales skills.
Good customer service, client relationship management, communication, negotiation, problem-solving, and internal skills.
Ability to use and communicate in both Khmer and English.
Good Microsoft Office and Bank’s software.
Good math skills and ability to spot numerical errors.
Good problem-solving, negotiation, and internal skills.
Strong dedication to accuracy and efficiency.

Required Skills

finance and bankingaccountingbank branch operationsrules and regulationslawsgranting loanscredit risk managementpresentation skillssales skillscustomer serviceclient relationship managementcommunicationnegotiationproblem-solvinginternal skillsKhmerEnglishMicrosoft OfficeBank’s softwaremath skills

Schedule & Flexibility

Schedule:standard

Start date:Flexible/ASAP

About ABA Bank

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