• Credit Risk Management:
o Interact with Internal Audit, Compliance and Credit Assessment Department to reviews and examination operation risk
o Analyze the root cause of operation problem and finding the strategic resolution
o Review the current loan operation process and propose to change if necessary in order to improve efficiency of loan operation
o Coordinate with legal consultant in order to improve current document
o Build up good relationship with operational club’s members, and BM to minimize risks
o Operation and Loan Portfolio Management:
o Manage the daily operation of the department in an efficient and effective manner
o To achieve setting plan of Credit department on time and develop a tool to measure effective work of Credit officers, TLs and BMs in order to keep the good quality of loan disbursement
o Communicate with management team to coordinate and monitor loan document
o Establish and maintain good environment work with an efficient and productive result within the department and branches based on good relationship with them
o Prepare monthly and annually loan disbursement plan and delegate it to each branch
o Support and assist branches operation
o Marketing and Communication:
o Develop report for supervisor
o Conduct marketing research, competitor survey and client satisfaction survey
o Develop new product and modify existing product fit to client need and based on real situation of financial market
o Prepare the advertisement strategic plan, and delegate to the related department
o Ensure the good relationship with all staffs
o Staff Management:
o Provide a leadership role model to Credit department staff and branch which including training and evaluate staff performance
o Supervise branch manager
o Formulate work plan for subordinate staff
o Ensure staff professional development in Credit department
o Give verbal or written blame or admiring the bad/good staff performance within the Credit department then report to CEO/Director.
o Planning and Policy Development:
o Prepare and propose to modify the policies and procedures documentation for the Credit department
o Fully comply with relevant policies and procedures of BNKC and follow by Cambodia Law and Regulations