Credit Manager
Position Circumstances
- Career Category: Exec. / Management, Banking / Finance, Accounting
- Schedule:Full-time
- Salary: N/A
Location: Head Office
REMUNERATION
Khmer Capital Microfinance Institution will provide an attractive compensation and benefits based on candidates experience and competency.
Duties & Responsibilities:
- Create strategy plan for loan disbursement to credit department , included own target, and enlarge operational areas that meet target segmentation;
- Train, orient, and coach team members regarding to policy, procedure, guideline, and memos to ensure they fully comply and build up strong team communication;
- Maintain good relationship with new and existing customer;
- Ensure all loan profiles comply with internal policies, guideline, and regulation;
- Update, maintain, develop, and implement the institution’s policies, structure, processes, guidelines, and new lending platform in order to meet all goals and objective.
- Work closely with credit team and responsible for the support and lead of credit department;
- Preparing and submitting loan assessment to credit committee;
- Monitor on risk management related to loan portfolio and overall performing and report on periodic basis;
- Control on loan quality and minimize problem such as NPL, PAR, overdue, recovery, or write off.
- Conduct market research to identify gap of internal products with other MFIs or Bank and make key improvement if necessary;
- Anticipate internal meeting especially with management or join any workshop, conference, and seminars.
- To be a recruitment panel for screening, shortlisting, interview, and select candidates for credit department;
- Cooperate with HR department and senior management to create KPIs for department staff;
- Conduct on staff annual appraisal and probation performance review on time basis;
- Other task assign by Management.
- Bachelor or Master in Banking and Finance, Business Administration, and other;
- Minimum 5 years experiences in credit skill with MFIs or Bank and minimum 3 years as supervisor level;
- Good understanding of credit analysis and assessment;
- Good at collaterals evaluation;
- Strong skill in Ms. Office (Words, Excel, Power point, Outlook, etc.);
- Good communication and interpersonal skill;
- Flexible, friendly, team build, and goal oriented;
- Good of English for both writing and speaking;
- And can work under pressure and deadline committed.
Credit Supervisor
Position Circumstances
- Career Category: Business Administration, Banking / Finance, Sales / Marketing
- Schedule:Full-time
- Salary: N/A
Location: Head Office
REMUNERATION
Khmer Capital Microfinance Institution will provide an attractive compensation and benefits based on candidates experience and competency.
Duties & Responsibilities:
- Initiate and develop strategy, promotion activities, target clients and loan disbursement plan;
- Plan and execute promotion activities to meet target plan;
- Strengthen connection with new and existing clients;
- Assess loan application base on 5C including business, repayment and financial capacity and collateral valuation
- Write up and verbal recommendations on each loan proposal to manager and committee;
- Ensure prompt loan repayment and assess loan overdue.
- Conducting market research from other Bank or MFIs related to loan products, terms and condition in order to amend our internal products condition and ensure of effective competition.
- Research and keep management updated the property market price and trend;
- Take part in explaining to loan applicants about the Credit policy and procedure in a way that the loan applicants are aware about loan principal, interest, and fee shall be paid regularly according to the schedule.
- Advise or recommend to Credit officers to be aware and take responsibilities to monitor the situation of the borrowers and properties mortgaged;
- Other duties as assigned by management.
- Bachelor degree or Master in business administration, Banking, Finance, Marketing or related filed;
- Minimum 4 years’ related experience with Bank or MFIs.
- Experience for hunting and processing large loan (Corporate, Business, and SME loan).
- Good understanding for credit analysis and collaterals, and legal process.
- Good judgment and decision-making skills;
- Excellent communication and Interpersonal skills;
- Computer Literacy (MS. Word, Excel, Internet…).
Credit, Senior Officer
Position Circumstances
- Career Category: Business Administration, Banking / Finance
- Schedule:Full-time
- Salary: N/A
Location: Head Office.
REMUNERATION
Khmer Capital Microfinance Institution will provide an attractive compensation and benefits based on candidates experience and competency.
Duties & Responsibilities:
- Prospects new clients and assists them for loan application;
- Plan and execute promotion activities to meet target plan;
- Conducts loan assessment, collects detailed information, evaluation collaterals, and assess loan overdue.
- Prepares, submit, and execute loan agreement and application; and arrange for loan disbursement.
- Ensure promptly loan repayment and interest service;
- Maintains contact and good relationship with client;
- Ensure full compliance with internal and external policies, procedures, and audit recommendations.
- Handle customer complaints
- Analyze potential loan markets and develop referral networks in order to locate prospects of loans.
- Other task assign by management.
- Bachelor degree in business or related filed.
- Minimum 2 years with related work experience in MFIs or Bank;
- Good understanding of credit analysis, collaterals, and legal process.
- Good in Microsoft Office.
- Good communication and interpersonal skill.
- Good at English language proficiency
Finance Manager
Position Circumstances
- Career Category: Banking / Finance, Accounting, Exec. / Management
- Schedule:Full-time
- Salary: N/A
Location: Head Office.
REMUNERATION
Khmer Capital Microfinance Institution will provide an attractive compensation and benefits based on candidates experience and competency.
Duties & Responsibilities:
- Consolidate and create annual budget to management and Board;
- Manage and control daily of accounting transactions;
- Manage cash account balance and verify bank reconciliation;
- Control and verify of all expenses before CFO and CEO get approved;
- Verify on daily or weekly cash statement of NBC report;
- Verify report for NBC for quarterly, monthly, weekly, and daily;
- Ensuring up to date of law, regulation, announcement, Prakas from NBC and other regulators;
- Prepare quarterly and monthly of financial report to management and stakeholders;
- Prepare financial report and documentation to Tax Agency for purpose of monthly declaration;
- Create and update for financial policy, procedure, and guideline to ensure of up to date, adequate, strong internal control and compatible to the law and most practicable;
- Review and further development of the accounting system in the scope of changing needs and requirement of the institution.
- Provide accounting and financial advice to all departments and assist management as consultancy;
- Analysis of financial statement to management and Boards;
- Monthly prepare forecast of profit and loss statement;
- Liaise with NBC and tax officials and external auditors;
- Create COA for the institution;
- Develop JDs and KPI for department;
- Conduct on job training to new subordinate (if any) and coaching them for getting high performance;
- Be awareness of subordinate probation and annual appraisal review;
- Other duties as assigned by CFO.
- Bachelor degree or Master degree in Financial, Accounting, Banking, ACCA, CAP, etc.;
- Minimum 5-7 years’ experience in Finance with MFIs or Bank and at least 3 years as supervisory level;
- Advance degree in Accounting and Finance;
- Understand about NBC report for MFIs or Bank;
- Thorough knowledge of accounting principles and procedures;
- Excellent morality and professionally;
- Very good impersonal relationship;
- Very good in leadership;
- Good command of English in writing and speaking;
- Excellent accounting software user and administration skills.
Senior Accounting Officer
Position Circumstances
- Career Category: Accounting, Accounting - Taxation / Audit, Banking / Finance
- Schedule:Full-time
- Salary: N/A
Location: Head Office.
REMUNERATION
Khmer Capital Microfinance Institution will provide an attractive compensation and benefits based on candidates experience and competency.
Duties & Responsibilities:
- Check and verify on fixed assets registration and inventory list and ensure that all fixed assets are classified into accounting position of depreciation or amortization;
- Prepare monthly and annual tax return;
- Prepare quarterly, monthly, weekly, and daily report;
- Produce timely, complete and accurate financial statements which export from core banking system in compliance with regulatory requirements;
- Cooperation with internal auditors in relation to auditing of financial statements and other auditing tasks;
- Be aware of accounting documentation preparation and keeping;
- Support manager to produce a full set of audited financial statements to ensure compliance with any regulatory requirements;
- Other duties assign by manager.
- Bachelor degree or Master degree in Financial, Accounting, Banking, ACCA, etc.;
- Minimum 2 years’ experience in Finance or Accounting with MFIs or Bank;
- Thorough knowledge of accounting principles and procedures;
- Excellent morality & professionally;
- Very good impersonal relationship;
- Good command of English in writing and speaking;
- Excellent accounting software user and administration skills.
Teller
Position Circumstances
- Career Category: Banking / Finance, Accounting
- Schedule:Full-time
- Salary: N/A
Location: Head Office
REMUNERATION
Khmer Capital Microfinance Institution will provide an attractive compensation and benefits based on candidates experience and competency.
Duties & Responsibilities:
- Serve excellence daily services such as loan disbursement and loan repayment for customers;
- Collect and promptly solve clients complaint in order to push up the quality of services;
- Execute document filing and till cash end of day following the policy and procedure of cash management in order to assure the accuracy of cash in till and transaction slips;
- Ensure all service transactions are following the internal control and AML policy and procedure;
- Provide solution and advice to customer on our service and products;
- Other duties as assigned by Customer Service Manager.
- Bachelor in Accounting or Finance, Bank, Business, and other related field;
- Ability to accurately and efficiently process cash transaction;
- Able to use Microsoft Office (Words, Excel, Outlook, etc.);
- Positive attitude, enthusiasm and willingness to work both independently and as a team;
- Good planning, problem solving and organizing skills;
HR Supervisor
Position Circumstances
- Career Category: HR, Exec. / Management, Business Administration, Law
- Schedule:Full-time
- Salary: N/A
Location: Head Office
REMUNERATION
Khmer Capital Microfinance Institution will provide an attractive compensation and benefits based on candidates experience and competency.
Duties & Responsibilities:
- Maintain up to date recruitment process, manage talent pool and all related staffing communication;
- Identify key and specialty skills and propose for training needs for internal and external to improve and develop staff competencies;
- Organize, coordinate, and manage the performance management (Probation and annual performance appraisal) and guide on HR technical to other departments for boosting staff reach peak performance;
- Manage for payroll administration is such of wage, compensation, overtime, and other payments;
- Scanning and collecting all necessary data to benchmark such as wage, benefits, and working environment from other MFIs or Bank for developing any key inadequate of internal practice and reduce turnover rate by proposing to top management;
- To detect and handle complaints, disputes and grievances of all staff and report to CFO and CEO to seek key solutions and develop create working environment;
- To conduct exit and grievance interviews with all staff at all level to seek for real or sensitive issue of turnover and collective report to top management on time basis;
- Developing or amendment policies, manual, and regulation which respond to business need and align with national labor guidance and future KC’s business trend;
- Reviewing the staff rules and regulation and if applicable propose for modification and ensure its effective implementation;
- Create mechanism for implementation and monitor of staff comply with company rules and regulations.
- Prepare all process respond to Ministry of Labor and Vocational Training (MoLVT) in such of working permit (Expat and Cambodian), quota request, company registration, employee movement declaration, etc.;
- Maintain of the Human Resources Information Data (HRID) in the mean of confidentiality, security, and respond to all require from any panel;
- Timely update of personnel records (personal details, position, salary, appraisal outcomes, leave records, training & awards etc.);
- Conduct orientation related to KC’s background, HR Policies and other related to all new staff and ensure them get most understanding and strengthening internal practice;
- Make sure of adequate of On-Job-Training to HR Team and identify on areas to be improve;
- Set Key Performance Indicators (KPI) for HR Team and collectively KPI’s objective from other department in KC for combining into Probation or Annual Appraisal Forms;
- To consult and provide key solutions to staff related to KC’s Policies, Guideline, and Procedure;
- Bachelor or Master Degree in Human Resource, Management, Law, Business Administration, Banking and Finance or related filed;
- Minimum 3 years’ experiences in HR and at least 1 years as supervisory level. Experience with MFIs or Bank is preferable;
- Computer literate (Microsoft office) internet & email must require;
- Good personal relation, self-motivation, honest, self-discipline, team and commitment;
- Strong interpersonal, team building negotiation skills;
- Good command spoken written English;
- Teamwork and willing work under pressure;
- Excellent morality & professionally;
- Very good in leadership;
- High motivation ability work without supervision.
Senior Internal Audit Officer
Position Circumstances
- Career Category: Accounting - Taxation / Audit, Business Administration
- Schedule:Full-time
- Salary: N/A
Location: Head Office
REMUNERATION : Khmer Capital Microfinance Institution will provide an attractive compensation and benefits based on candidates experience and competency.
Duties & Responsibilities:
- Conduct preliminary audit analyses to identifying the risks and ensure that risks are taken in to consideration and identified, and audit activities meet the scope and objectives of KC.
- Supervise the audit team ( if any) to execute the audit program by selecting the right transactions, clients, and others from officer, section, department, and branch in order to ensure that the cost effectiveness of audit mission, internal control design and implementation are properly identified and confirmed.
- Review policies, procedures, and perform the audit testing on key and complex financial & operational transactions, such as reports, analyses, and documents in order to evaluate the quality of internal control design and implementation of KC.
- Review audit working paper and evidences of the assigned audit missions in order to make sure that completeness of audit finding, root cause, implication and recommendations are well identified.
- Collect sufficient and appropriate audit evidences related to specific process of risk profiling.
- Prepare drafted audit report of the assigned missions and participate in presentation to Internal Audit Manager in order to make sure that they are well understood about detail audit findings and recommendations.
- Provide on-the-job training to new team member to comply with audit procedures and programs.
- Assist Internal Audit Manager to create KPIs and Department object.
- Conduct annual performance review on time basis.
- Anticipate any meeting, training, workshop, conference, seminar outside as assign by Internal Audit Manager.
- Other task assign by Internal Audit Manager.
- Degree in Business Administration or pursuing ACCA/CPA is preferable.
- Minimum 3 years of work experience in auditing or related field and prefer from Bank or MFIs.
- Knowledge in audit, accounting, financial analysis and compliance.
- Good organizational, analytical and problem-solving skills.
- Good verbal and written communication in Khmer and English.
- Strong skill in Ms. Office (Words, Excel, Power point, Outlook, etc.)
- Good at interpersonal skill, flexible, friendly, team build, and goal oriented,
- Good of English for both writing and speaking,
- And can work under pressure and deadline committed.
