Manager, Corporate Banking (1 Position)
Position Summary Expectations - Duties, Responsibilities
Department/ Branch: Corporate Sales and SME Department
- To acquires new loan customers
- To evaluate loan applications and submit a comprehensive analyzed credit memo.
- Ensure that bank’s credit principles and policies are followed and complied.
- Ensure that deviations from the bank’s credit management processes/procedures/policies are identified and properly addressed.
- Collect supporting documents from borrowers for the loan applications and to verify the repayment sources of income.
- Conduct site visits and inspections where necessary to verify the applications and attend meeting with borrowers to discuss loan proposals to understand their businesses.
- Make sound recommendations based on quality analysis and ensure timely submission of the credit memos for approval.
- Be response to queries raised by Credit Risk Management Team on the loan applications.
- Monitor the loans review date and ensure prompt review of loans.
- Monitor progressive loans and post-disbursement conditions to ensure compliance of conditions imposed.
- Ensure proper filing of documents for the Corporate Borrowers.
- Liaise and follow up with CAD for the issuance of LO and loans releases.
- 2 years’ experience in Loan Processing and Sales
- Bachelor degree in banking and finance or related file
- At least 2 years of experience in Banking
- Skills/knowledge in Loan processing and Sales
- Ability to acquires loan and deposit customer
- Sound written and verbal English communication skills. Chinese Speaking is an additional advantage
- Computer Skills (Ms. Word, Excel, and Power Point).
Assistant Manager, Corporate Banking (1 Position)
Position Summary Expectations - Duties, Responsibilities
Department/ Branch : Corporate Sales and SME Department
- Evaluate loan applications and submit a comprehensive analysed credit memo.
- Ensure that bank’s credit principles and policies are followed and complied.
- Ensure that deviations from the bank’s credit management processes/procedures/policies are identified and properly addressed.
- Collect supporting documents from borrowers for the loan applications and verify the repayment sources of income.
- Conduct site visits and inspect where necessary to verify the applications and attend meeting with borrowers to discuss loan proposals to understand their businesses.
- Make sound recommendations based on quality analysis and ensure timely submission of the credit memos for approval.
- Be response to queries raised by Credit Risk Management Team on the loan applications.
- Monitor the loans review date and ensure prompt review of loans.
- Monitor progressive loans and post-disbursement conditions to ensure compliance of conditions imposed.
- Ensure proper filing of documents for the Corporate Borrowers.
- Liaise and follow up with CAD for the issuance of LO and loans releases.
- Bachelor degree in banking and finance or related file
- At least 2 years of experience in Banking
- Skills/knowledge in Loan processing and Sales
- Ability to acquires loan and deposit customer
- Sound written and verbal English communication skills. Chinese Speaking is an additional advantage
- Computer Skills (Ms. Word, Excel, and Power Point).
Relationship Manager (2 Positions)
Position Summary Expectations - Duties, Responsibilities
Department/ Branch: Chbar Ampov, Kamboul, Kampot, and Preah Sihanouk Branch
- Support branches to drive growth in the bank's products and services, especially to support branches to grow the deposit & Non-Loan targets by buildup networking/pipeline/potential Business owner’s across region.
- Ensure that all branches under own region are profit, grow banking business from year to year, and maintain good loan quality.
- Mentor, coach and support Branch Managers, helping them to be successful and fulfilled producers and leaders.
- Provide leadership, accountability and support to Branch Managers in completion of the annual Branch Assessment and Planning Tool.
- Manage the sales and service operations.
- Manage Loan Quality consist of controlling collection and default solving.
- Support the branches evaluate and process MSME/SME loans.
- Coordinate effective staff coverage within assigned region.
- Plan, organize and deliver effective regional meetings and other training as necessary.
- Reduce error and improve audit finding.
- Maintain effective, positive relationships with branch managers and other staff by consistent in-branch visits, phone calls and email correspondence.
- Perform other duties as assigned by Executive Management.
- Degree holders in Business/ Finance preferred
- Minimum 5-8 years of relevant supervisory experience in sales & service operations
- Ability to understand business functions such as marketing, sales, finance, HR etc.
- Good knowledge of financial analysis, loans securitization and loans asset supervision abilities
- Good time management and effective leadership skills.
Supervisor, Research and Data Analytic (1 Position)
Position Summary Expectations - Duties, Responsibilities
Department/ Branch: Research & Development Department
- With R&D team, plan research projects to be in line with the business and institutional strategy.
- Formulate and update the research plan for the whole institution.
- With consultation with R&D team, updates research tools and research training for hired researchers
- Develop, review and update research tools to meet the objectives of the research.
- Provide trainings related to research to researchers as needed.
- Work out with branch managers to facilitate the research process.
- Supervise field researchers collecting data from the field.
- Do data entry and data analysis.
- Write up reports and suggests some recommendations based on the findings
- Develop, revise, and provide trainings related to research field to staff and/or hired researcher as needed
- Attends trainings as required and develops skills and competencies to be able to conduct all research projects needed by the bank
- Build and maintain critical relationships in a professional manner with other bank’s staff, partners, and stakeholders to promote Phillip Bank brand name and services
- Perform other tasks as requested by the Manager.
- Bachelor’s degree in any field (preferably in business and economic).
- Data analytics both descriptive and predictive approach
- Proficient in computer office and required experience with Microsoft Excel, Power BI, SPSS, or other analytical skill.
- Ability to keep ordered and systematic records.
- At least 3-year experience in research management; preferably in MFIs or banks.
- Experience to conduct research to develop the financial product
- Experience to develop the research report
- Formulate the recommendations or strategies to promote a banking business acquisition
- High level of organizational skills.
- Experience in team management and leading.
- Problem-solving and decision-making.
- Good in both spoken and written English.
- Excellent communication and interpersonal skills.
Specialist, Recruitment (1 Position)
Position Summary Expectations - Duties, Responsibilities
Department/ Branch: HR Department
- Develops, facilitates, and implements all phases of the recruitment process.
- Collaborates with hiring managers to identify and draft detailed and accurate job descriptions and hiring criteria.
- Identifies and implements efficient and effective recruiting methods and strategies based on the available role, industry standards, and the needs of the bank.
- Assists with job posting and advertisement processes in all social media.
- Screens applications and selects qualified candidates.
- Schedules interviews; oversees preparation of interview questions and other hiring and selection materials.
- Assists with the interview process, attending and conducting interviews with hiring managers, and other stakeholders.
- Collaborates with the hiring manager and/or other human resource staff during the offer process, identifying and recommending salary ranges, start dates, and other details.
- Ensures compliance with labor law and regulations, and bank policies.
- Attends and participates in job fairs and recruiting sessions.
- Manage and support the intern program
- Build pools of talent with universities
- Ensure the newly recruited is fulfill the non-criminal record as well as physical check and employment book.
- Do background / reference check with all newly recruited staff
- Performs other duties as assigned
- Excellent verbal and written communication skills.
- Excellent interpersonal skills with good negotiation tactics.
- Ability to create and implement sourcing strategies for recruitment for a variety of roles.
- Proactive and independent with the ability to take initiative.
- Excellent time management skills with a proven ability to meet deadlines.
- Familiarity with laws, regulations, and best practices applicable to hiring and recruitment.
- Proficient with or the ability to quickly learn applicant-tracking software or other recruitment systems.
- Proficient with Microsoft Office or related software.
- Ability to travel to province.
Officer, Dispute Resolution
Position Summary Expectations - Duties, Responsibilities
Department/ Branch: E-Channel Banking Department
- Be the contact point for back office issues relating to Internet Banking/Mobile Banking/ Bakong/ E-Wallet with customer and third parties.
- Resolve the dispute cases based on the resolution of dispute policy and claim resolution process;
- Support Call Center Agent, Operation Team, Finance Team, CSO, FA on Complaint handling from Customers to inform dispute resolution or ask for information and supporting document;
- Be proactive to solve dispute cases from related parties (Customers/Agents/Merchants/Third parties)
- Report on urgent cases if need to be fixed/update to comply with Bank Policy and Procedure with timely manner;
- Participate in Merchants/Agents training on E-Channels product policy and procedure;
- Participate the investigation of fraud, reconciliation, dispute case.
- Able to work cross function and cross-bank with effective communication.
- Develop dispute resolution process flow
- To prepare monthly reporting to NBC & internal.
- Other related tasks may assign from supervisor or line manager from time to time.
- Bachelor's Degree in Accounting/Economic/Banking/Finance, Marketing, Business Management or equivalent
- At least 1 year of working experience in the related field is required for this position
- Ability to prioritize effectively and work to tight deadlines
- Sound problem solving skills with high flexibility
- Ability to manage many tasks at the same time, identify the issue with resolution skill, and self-motivated and committed to work under pressure
- Good knowledge of MS Office (Word/Excel/PowerPoint)
- Good in English both written and speaking and Chinese is advantage
- Good knowledge of banking or financial Industries with E-Channels product
- Strong abilities to work as a team member and work independency
- Basic knowledge of information technology/accounting
- Good communication, interpersonal skills
- A good team player
Officer, Reconciliation and Settlement
Position Summary Expectations - Duties, Responsibilities
Department/ Branch: Finance Department
- Ensure the completeness and accuracy of transactions between PLB and partner.
- Ensure the transactions and fees are settled in timely basis.
- Coordinate the issues with internal dispute team and partner team.
- Bachelor Degree in accounting from a recognised institution.
- At least one years working experience in Accounting.
- Knowledge of the Excel computing program.
- Flexibility and willingness to support the Finance Department by undertaking a range of finance-related tasks
- Ability to work quickly and accurately under pressure and in short time frames.
Officer, Treasury (1 Position)
Position Summary Expectations - Duties, Responsibilities
Department/ Branch: Treasury Department
- Review regular sources of information and data required for preparation of reports.
- Prepare lender report monthly, quarterly, semi-annually and yearly.
- Prepare other necessary reports for NBC and other stakeholders.
- Prepare monthly Accrual interest on borrowing for accountant
- Produce financial report format for any new report.
- Make sure that the reports are accuracy and timely
- Coordinate and work closely with related department for consolidating the reports.
- Send and Monitor debt covenant and advise supervisor for any breach.
- Send E-mail correspondent to lender for any inquiry.
- Review loan agreement and provide comment.
- Inform and provide recommendation to manager of significant development, challenge in a area of responsibility; and
- Carryout any other duties assigned by management
- Bachelor’s degree in Accounting/Finance or Banking Management
- At least two years experience in Banking or MFIs industry
- Knowledge of the Advanced Excel computing program
- Good English writing skill.
- Honest and excellent character with high commitment to work.
Officer, Micro Lending Sales Support (1 Position)
Position Summary Expectations - Duties, Responsibilities
Department/ Branch: Micro Loan Department
- Monitor on Sales Performance and Products/Services Distributions by following up to RMs, BMs and Branch Staff through pipeline control and any other means.
- Train, share, and contribute good experiences, good briefings in coordinating and support to branch staff on sales skills, policies, memos, procedures and guidelines related to loan and non-loan products.
- Develop networking and build relationship to acquire both loan and non-loan corporate and social partner, merchant, biller, key customer or potential individual, etc.
- Continue to do Funding Raising through online and dealing with new potential partners both social and private like Kiva and Water.og
- Produce MoU and assist BM to produce Corporation with a complete Financial Model and best negotiating T&C to make profit and credibility for the Bank
- Self-conduct the field visit or study to partner locations by assessing and analyzing the Micro & MSME loan and non-loan product in the market, such as quality of loan assessment, information gathering and business references collection and other required documents.
- Conduct periodic internal Compliance & Risk Controls by checking or spot-checking to Branch and Branch Staff on Quantity & Quality, Accuracy and Consistency of the Customer Services, Products & Services’ Quality, Processing Flow & Period, Cross-Sales & Communications, Guidelines, Procedures and Practices to the Branches or Areas that concerned.
- Performing other various duties as assigned.
- Bachelor Degree of Business Administration in Management or Finance and Banking or in any related field.
- Sound working knowledge of Computer (Ms. Word, Ms. Excel, Advanced Excel, Flexcube, internet, and Email).
- Good common in written and verbal communication skills (Khmer and English).
- At least 1 years’ experience in multi or cross-products sales and/or sales development & support and performance management
- At least 2 years ‘experience dealing and following up different position levels on performance, process and document
- At least 3 years’ experience in Microfinance or banking industry or another related field
- Good commitment in fieldwork and strong willingness to travel often to conduct training, field visit and work with rural people.
- Good understanding of Cambodian MFI/banking rules and regulations.
Officer, Credit Review – Retail Loan (1 Position)
Position Summary Expectations - Duties, Responsibilities
Department/ Branch: Retail Loan Processing Center
- To monitor retail loan’s customer to be reviewed timely and compliance with bank’s requirement and NBC prakas.
- Tom conduct annual/semi-annual or specific periodical credit review for retail loan accounts timely and accuracy.
- To cooperate with related parties as below for taking action follows the advice/decision from credit review’s approval authority:
- With Collection/Recovery team: if there is payment is late
- With Credit Admin: if renewal insurance: if renewal insurance is overdue
- With Branch: other; if any
- To prepare relevant reports to monitor credit review task and assist Retail Loan Center Manager to prepare other reports if needed.
- At least studying 2nd year of fresh graduated in Finance and Banking or any other related fields.
- Has Basic in collateral appraisal and repayment capacity analyst.
- Has ability to communicate with existing customers.
- Has ability to read and write credit review report in English.
- Literate in Microsoft Software
- At least 1 year experience in lending or similar role with FIs.
