Loan Recovery Officer
Position Circumstances
- Career Category: Law, Banking / Finance
- Schedule:Full-time
- Salary: Negotiable
Location: Based in Siem Reap Branch
Duties & Responsibilities:
- Set-up an action plan and monitor overdue and arrears loans on a regular daily basis.
- Conduct site visit to those overdue and arrears loans, which is assigned by line manager.
- Update or provide recommendation to line manager for loan recovery or restructuring.
- Promote settlement and recovery through the debt collection mechanism, in compliance with the Bank’s Procedure, Policy and Senior Manager’s instructions.
- Achieve the collection plan set by Line Manager or Branch Manager.
- Track list of Restructured loans and Non-Performance Loans by working closely as a team with branch loan officers for Default history, better administration, and Repayment schedule.
- Collaborate and work closely with Borrowers, Guarantors, Local authorities, Bank lawyer to resolve disputes or Loan recovery effectively.
- Prepare accurate, timely and efficient follow-up reports as weekly basic.
- Conduct loan assessment for General Debt Restructure (GDR) as monthly basic.
- Be honest and follow the Bank core value (Integrity, Respect, Relationship, Diligence, Commitment), Policies, and Procedures without any fraud.
- Respond to all the inquiries, issues, or errors related to loan repayment to all branch personnel.
- Participate in all activities to promote collection efficiency in the branch
- Develop knowledge, understand procedures and guidelines related to core work and banking.
- Perform tasks assigned by the managements.
Expected Profile of Candidates
Languages:
- Khmer - Good is required
- English - Good
Qualifications:
- Bachelor's Degree in Finance and banking, Accounting or any relevant field
Work History:
- Working experiences in credit function of financial institutes for 2 years as a minimum
Skills & Knowledge:
General & Technical Skills
- Ability to use and communicate in both English and Khmer (Priority)
- Willingly to travel and meet with customers at working hours.
- Basic understanding of Bank branch operations, Rules and regulations, Laws, Lending loans, and Credit risk management;
- Microsoft Office and Bank’s software.
Soft Skills
- Self-motivation, willing to learn and good team player
- Negotiation skills and strong network for positive results.
- Good problem solving, negotiation, interpersonal and convincing skills;
- Patience and understanding of emotions to deal with customers
- Excellent organizing, recording and filing skills
- Strong dedication to accuracy and efficiency.
Credit Officer
Position Circumstances
- Career Category: Banking / Finance, Accounting
- Schedule:Full-time
- Salary: Negotiable
The position is for property sale management experience required
Location: Based in Siem Reap Branch
Duties & Responsibilities:
- Process all credit transactions
- Process credit analysis based on Credit Policy
- Process, collect and investigate documents for Credit Assessment
- Process and conduct credit review, property valuation and customer site visit for collateral
- Analyze credit data to gauge credit risk and provide recommendations to mitigate these risks, including a break-down of mitigation action plans for the respective Business units
- Prepare and arrange credit proposal to Credit Committee
- Follow up the existing loans and well communicate with existing and new customers.
- Promote bank products and services to existing and new customers
- Prepare loan report as required by supervisor and /or manager
- Be punctual and responsible
- Must perform other duties as assigned
Expected Profile of Candidates
Qualifications:
- Bachelor's Degree in Finance and Banking or equivalent professional qualifications
Work History:
- Related field with the banking job for 2 years as a minimum
Skills & Knowledge:
General & Technical Skills
- Good knowledge of collateral management property valuation and disposal procedures
- Willing to travel to customers’ site for collateral survey and valuation
- Computer Literacy in Microsoft (Word, Excel, Internet & Email)
Soft Skills
- Excellent communication, strongly organizational, creative, flexible and interpersonal skills
- Ability to work independently and as a team in an effective and efficient manner able to work under pressure and possess good time management skill
