• Provide effective supervision and oversight of an assigned small loan team, ensuring established small loan policies are followed and service quality standards are achieved.
• Evaluate, authorize, and recommend approval of small loan applications.
• Exercise direct supervision over all the small loan personnel to ensure smooth day-to-day operations.
• Monitor team activities such as designing tasks, assigned duties, responsibilities, coaching, and performance review to maintain stable operations.
• Take the lead in promoting the Bank’s small loan products, particularly in conducting customer orientation to improve the quality of the Bank’s small loan portfolio.
• Conduct site visits to customers’ properties in accordance with the bank’s policy to ensure proper granting of loans.
• Review thoroughly all small loan applications to prevent any loan application fraud.
• Manage late payment and small loan defaults by consistently providing the team with professional methodologies to follow up, re-evaluate, and restructure clients’ loans.
• Work closely with the loan recovery team to ensure successful recovery of loans.
• Drive the team to achieve each individual performance target and overcome challenges in their own areas through regular pipeline meetings.
• Prepare daily, weekly, and monthly small loan disbursement reports, as well as conduct daily monitoring of accounts to maintain the branch’s positive cash flow and proactively handle the team’s small loan portfolio.
• Ensure the team writes down and explains clearly and precisely the payment terms and conditions in the contract, including late fees, to the clients in order to timely collect all loan payments and minimize client defaults.
• Report and update the line manager on any activities and status of loan products, as well as problems and issues encountered by operations while implementing the Bank’s micro loan policies to improve the branch’s quality loan portfolio.
• Conduct 100% actual verification and validation of micro loan applications and accounts for better internal control purposes.
• Give constructive feedback to improve the branch’s operational policy and guidelines.
• Handle complex customers’ issues whenever Micro Loan Officers cannot, by remaining calm and executing excellent customer service principles to find an amicable solution for all.
• Resolve team routine and complex issues to maintain productivity and morale.
• Act as a role model within the team to question, listen, and give 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 lending experiences in banking and financial services industry with a strong track record in granting loans; Excellent knowledge of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management; Ability to use and communicate in both Khmer and English; Proficient 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.