SME-Loan Officer

• JOB SUMMARY

The Loan officer/Senior is responsible for offering SME loan products to the targeted partners in professional, ethical, and transparent with assurance of quality and sustainability . This position will support to operation activities as understand loan policies, procedures, guidelines, promotion, loan assessment, loan monitoring, loan collection and delinquency and report .

• New Client on-board/Sales Engagement
• To achieve SME sales growth and targets as per plan.
• To manage and maintain relationship with partners to gain more loyalty.
• To proactively and timely provide feedback towards the partners inquiry and interest.
• Act as the liaison officer between potential and current borrowers and bank internal resources and/or business partners, for purposes of lead generation, client onboarding, reporting, referrals, coordination of non-financial services, and others as dictated by the agreements between bank and those business partners.
• To process loan assessment
• To fully perform the Loan assessment activities defined in the governed policy and other regulations.
• To gather necessary information for loan application and verify loan eligibility according to loan policy, including individual SME and corporate SME loans.
• To conduct home and business visit, launch CBC check to analyze business and repayment capacity of loan applicant.
• To promote Chamroeuns SME loan products
• To identify the potential areas to promote bank loan products under own responsibilities based on branches targeted areas.
• To provide clear product orientation to target partners during promotion stage.
• To build the list of partner prospects after launching product promotion campaign.
• To follow up the prospects for providing supports and develop loan portfolio with high professional customer service.
• To perform loan collection and delinquency
• To manage the Aquaculture loan portfolio as well as other products under bank SME definition.
• To perform loan checkup to partners after loan disbursement.
• To monitor the daily loan repayment per day to ensure on time loan repayment from partners.
• To take notes of early warning signs for potential loan deterioration and make a list of partners with suitable action plans to reduce potential loan problems.
• To identify and analyze the main roots causing loan accounts to fall overdue and set recovery target, priority, and strategies to effectively solve those overdue loan accounts.
• To analyze the root cause of loan delinquency and recommend strategies to solve problems and changes of relevant policies to reduce the potential loan deterioration matter.
• Regular report to line manager
• To report reasons of individual late loan account and solving status.
• To report all significant cases incurred at field.
• To examine and report about competitors.
• To summary the reasons of the partner drop-out

Key Requirements

• Education Bachelors degree in Business Administration, Banking and Finance, Marketing, Management, Economics, or related field.
• Experience at least 2 years in credit operations
• Language Can use the English language: listening, speaking, reading, and writing;
• Computer literacy/ tablet MS office and MS Outlook
• Have a good interpersonal and communication skill, team work, independent, and result-oriented;
• Ability to work without supervision;
• Ability to solve the problem.
• Good collaboration in work.
• To complete all requirements per governed policy and guidelines.
• Be a Cambodia citizen and have a good background.
• Be high integrity, accountability, and commitment, and strongly passion towards with the poor and social mission.
• Be respectful.
• Demonstrate sound professional ethic.
• Full driving license.