Job Description
• Meet loan applicants to obtain personal and financial information, describe the types and terms of loans to applicants as well as assist them for loan application.
• Has the ability to analyze and interpret financial statements of the business in order to access the payment capacity and financial soundness of the borrower.
• Conducts field visit/verification of credit files and clients, and prepare the on-site report.
• Conduct loan appraisal and collect detailed information including personal, business, collaterals information, and make recommendation for management decision based on credit principles, policy, and regulation.
• Prepare and execute loan contracts and arrange for disbursement of loan in kind.
• Closely monitor loan utilization, loan repayment follow of timely repayments
• Assist to resolve the customers issue or consult whenever they required.
• Have good knowledge about guideline of regulatory body and able to prepare loan reports for internal and external use.
Job Requirement
o Bachelor Degree preferably in Banking and Finance or Accounting or related fields.
o Minimum 2-3 years of working experience preferred in credit operation in bank and/or financial institute.
o Knowledge on SME, corporate, smallholder farmers particularly in the agricultural sector and rural areas.
o Skill in property evaluation.
o Good Command of English.
o Advanced computer skills (Ms. Word, Excel) & Proficient Khmer typing skills
o Ability to work in confidentiality, ability to work in the field & travel to provinces
o Negotiation and internal relationship building
o Analysis and reporting Skills
