Branch Management Trainee (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office and Provinces
- Assist to review and recommend Head Office Branch's Annual Work and Financial Plan.
- Assist to evaluate branch performance at the end of the year based on the attainment of committed goals and targets.
- Assist to recruit, train, motivate, and evaluate staff.
- Participate to prepare plans and projections for client-building and improvement of loan portfolio.
- Assist to implement measures that will enhance service delivery.
- Assist to ensure that all disbursements are properly prepared, dated, signed and checked and that the amounts agree in both numbers and words before approving.
- Assist to ensure that all reimbursements are properly prepared (with receipts attached), dated, signed, and checked and that the amounts agree in both numbers and words before approving.
- Assist to determine local authorities, public and private entities, groups, and people that can help your office improve its performance and become more competitive as a microfinance institution.
- Assist to build and establish wholesome professional relationship with the institutions/people you think will have direct or indirect influence on the implementation of LOLC projects and services.
- BA/MBA in Finance and Banking, Management or equivalence.
- 03 three-years of managerial experience in microfinance/retail banking.
- Strong leadership and motivational skills.
- Good working knowledge of computer software.
- Strong written and oral communication skills (able to speak and write English).
- Excellent financial, analytical, organizational, and problem solving skills.
- High commitment and be honest.
- People but result oriented.
- Ability to work in a cross-cultural environment and foster teamwork among international and national staff.
Regional Manager (1 Position)
Position Summary Expectations - Duties, Responsibilities
The position is for Siem Reap Region
Location: Head Office
- Ensure Disbursements by products/Portfolio/# of clients/Net Profit/PAR/ Asset backed product/Productivity per CO/write off collection/key ratios achieved as per BP.
- Monitor and verify the list of potential customers from each branches and strategizing with Deposit Department to mobilize the deposit balance.
- Ensure that digital products have been in sales well.
- Ensure the good repayment rate of loans.
- Follow up all product performance of each branch to make sure it is growing as the set plan.
- Initiating/ guiding business strategies to branches under his supervision to achieve higher results.
- Build relationship/partnership with Merchants, authorities, and other parties to improve the business’s opportunities.
- Survey competitor products and services; and find strategies to deal with them.
- Identify the barriers and reason why each product cannot be performed better than its actual performance.
- Regularly visit branches under supervision to identify the weaknesses, improve the weaknesses and strongly support them.
- Report to management all the issues related to business operation in the areas.
- Conduct regular meetings with branches to review their performance and take corrective actions.
- Conduct market spot check to ensure that each branch can maintain good relationship with merchants, appropriate branding display at merchant shop and good customer service management.
- Identify potential market and/or customer segment and advise to management for finding strategy to grab the market opportunities.
- Strengthening the staff capacity on internal control.
- Strengthen branches to strictly follow credit policies and procedures.
- Review staffing plan and encourage branches to closely cooperate with HR in staff recruitment.
- Perform other tasks which assigned by Head of Business Department.
- BA/MBA in Marketing, Finance and Banking, Management or equivalence.
- Minimum of 05-year field experiences a branch manager.
- Understanding how to use financial and operational tools such as Field Visit Report (FVR), Loan Provision Report, Monthly Operation performance in making decisions is highly preferred.
- Working knowledge of local and international laws and regulations - banking and finance, obligation and contracts, etc.
- Knowledge of administrative and accounting procedures and systems such as word processing, managing files and record, designing forms, and other office procedure and terminology.
- Good commitment and hard-working.
Corporate Loan Expert (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
- Acquire new corporate loans to hit the disbursement target.
- Develop the Corporate Loan Product including the product policies, operating manual, covenant, etc.
- Ensure the client’s performance complies with all the covenants set by LOLC.
- Prepare comprehensive report including the performance quality, control to be improved, etc. to management frequently.
- Strengthen relationships with existing customers.
- Explain to clients the different types of loans and credit choices that are available, including the terms, to promote cross-selling opportunities.
- Collect all corporate clients’ required documents for loan applications to ensure they are eligible for approval.
- Evaluate applicants' financial conditions, P&L, business conditions, cash flow, credit history, etc. to determine corporate clients’ repayment capacity.
- Conduct due diligence during the loan assessment process to obtain in-depth information concerning the purpose of sound credit assessment and lending decisions.
- Ensure adherence to relevant policies, procedures, and regulations including corporate structure and legal standing, license and permits, environmental and social impact, anti-money laundering (AML), and know your-customer (KYC), etc.
- Proactively manage the loan portfolio by following up on delinquent clients and referring cases to supervisors.
- Stay up to date on new types of loans and other financial services and products to better serve customers.
- Collaborate with relevant stakeholders to identify and address any gaps in our existing process or policy (if any).
- Perform other duties as assigned by Head of Business Department.
- At least Bachelor’s Degree in business, management, finance and banking, or related fields.
- Minimum of 3 years’ experience in sales and corporate loans assessment.
- Strong analytical skills in financial statement and accounting standards.
- A strong understanding of financial compliance and regulatory requirements is a plus.
- Strong verbal and written communication skills in both English and Khmer.
- Good knowledge of the corporate business sector and the overall business environment in Cambodia.
- Computer literacy.
HR Intern (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
- Assist to support for file keeping.
- Assist in document processing.
- Assist to support the career events conducted in PP and provinces.
- Assist to support in completing candidates’ documents.
- Perform other tasks assigned by managers.
- Under graduate/graduate of any related fields
- Knowledge of recruitment and selection.
- Good English and be flexible.
- Honesty, willing to learn, hard-working, fast learner, team player, and open-minded and
- Good communication and inter-personal skills.
