• Marketing bank products to individuals and firms, promoting bank services that may meet customer’s needs.
• Liaising and build good cooperation with local authority, partner, and all stakeholder.
• Assessing and analyzing the auto loan & digital application submitted by branches and recommend, has to ensure the enough data, information, and relevant documents/references.
• Analyzing and commenting to loan cases in liaison with loan policy and forwarding to concerned department/committee.
• Verifying and clarifying the auto loan/LOS with related branches.
• Verifying accuracy of auto loan and digital lending before its delivery to branches.
• Coordinating and conducting site visiting to find out the problems/issues related to LOS
• Controlling implementation of process and working flow of auto/digital loans via LOS
• Acting as risk coordinator in identify credit risk for Auto/Digital Loan lending.
• Preparing Auto/Digital lending report including lending trend, market competition (price &loan conditions), PAR & solving progress, risk and risk mitigation.
• Onside coaching and training to credit operator staff to help them to do loan assessment and able to complete loan forms/origination. And training to staffs related Auto/Digital or Loan Origination and ensure that all trained staffs will be able to perform their duties well
• Reviewing and implementing target planning of auto/digital loan effectively and in a responsible manner.
• Adhering to high ethical standards and complying with all regulations/applicable laws.
• Sharing knowledge with other branches and headquarters on effective practices, competitive intelligence, business opportunities and needs.
• Doing refreshment to staffs on guideline, procedure, and improve weakness points timely or at least once within 06 months.
• Raising up all lending issues from branches/subordinates and suggestion the ways for improving to Deputy/Head of Micro Lending Department. Performing other various duties as assigned.

• Assessing and analyzing the loan application submitted by branches and recommend by MSME Loan Evaluation Officer/Senior MSME Loan Evaluation Officer and has to ensure the enough data, information, and relevant documents/references.
• Analyzing and comment to loan cases in liaison with loan policy and forward to concerned department / committee.
• Verifying and clarify the loan before submitting to Department/ MSME Credit Committee, and presenting the loan to Department/MSME Credit committee.
• Verifying accuracy of loan approval resolution before its delivery to branches.
• Preparing proper loan meeting agendas for designated credit committees.
• Coordinating and Conduct the site visit of collateral/ properties, businesses, and other information of the MSME loans.
• Acting as a risk coordinator in identify credit risk for Micro Loan and MSME lending.
• Preparing MSME lending report including lending trend, market competition (price &loan conditions), PAR & solving progress, risk and risk mitigation.
• Onside coaching and training to credit operator staff to help them to do loan assessment and able to complete loan forms.
• Collecting and control errors of loan proposals submitted by branches and suggesting the ways for improving to Deputy/Head of Micro Lending Department.
• Reviewing and implement target planning of Micro Lending Department and relevant departments effectively and in a responsible manner.
• Setting up and controlling as yearly, monthly, and daily plan of disbursement and collection to growth quality of loan portfolio.
• Following up the subordinates’ performance, identify the training need, provide supporting to improve their performance, and participate the capacity building.
• Doing refreshment to staffs on guideline, procedure, and improve weakness points timely or at least once within 06 months.
• Performing other various duties as assigned.

• Performing and handle customers' deposits and withdrawals, changing money, sell banker’s cheques, and purchase traveler’s cheques and accept payment for loans
• Attending to customers' inquiries on the various financial products and services of the bank.
• Performing daily balancing
• Fostering service excellence and positive relationship with clients.

• Ensuring that bank’s credit principles and policies are followed and complied.
• Ensuring that deviations from the bank’s credit management processes/procedures/policies are identified and properly addressed.
• Collecting supporting documents from borrowers for the loan applications and to verify the repayment sources of income.
• Conducting site visits and inspections where necessary to verify the applications and attend meeting with borrowers to discuss loan proposals to understand their businesses.
• Making sound recommendations based on quality analysis and ensure timely submission of the credit memos for approval.
• Responding to queries raised by Credit Risk Management Team on the loan applications.
• Monitoring on the loans review date and ensure prompt review of loans.
• Monitoring on progressive loans and post-disbursement conditions to ensure compliance of conditions imposed.
• Ensuring proper filing of documents for the Corporate Borrowers.
• Liaising and follow up with CAD for the issuance of LO and loans releases.

• Soliciting potential and existing clients in accordance with the guidelines stated in the loan policies and procedures
• Preparing/checking loan documents (English and Khmer) in accordance with credit approvals including Letter of Offer, Facility Agreement, Hypothec Agreement and Guarantee Agreement etc
• Coordinating/guiding/coaching and supporting branch staff to prepare security document/helping them to correct the mistakes
• Liaising with relevant local authorities/panel lawyer to perfect the loan documents
• Monitoring and follow up post-drawdown condition with branch compliance with approved terms & conditions
• Preparing internal Loan and NBC report
• Preparing documents for loan settlement
• Checking the loan documents upon execution by borrowers and attested by lawyers, which shall include the followings
• All agreements are properly signed including conditions precedent and security documents
• Correcting dates are inserted
• All pages are initialed
• Reading the memorandum and Articles of Association of the corporate borrower or security provider to determine that the company can borrow or provide the assets as security respectively, corporate authorization and procedures for execution of documents and affixing of company seal
• Corporate seals and personal seals are affixed when required
• Board/Shareholders resolutions (when required) are executed by the proper authority
• Evidence of Filing and/or registration when required
• Preparing disbursement checklist to ensure the Terms & Conditions is complied
• Ensuring safe keeping all the loan securities documents
• Contacting customer for insurance renewal, fire and life
• All other matters ancillary to the above and to perform any other related duties that Management may require from time to time

• Soliciting potential and existing clients in accordance with the guidelines stated in the loan policies and procedures
• Preparing/checking on loan documents (English and Khmer) in accordance with credit approvals including Letter of Offer, Facility Agreement, Hypothec Agreement and Guarantee Agreement etc.
• Coordinating/guiding/coaching and supporting branch staff to prepare security document. Helping them to correct the mistake
• Liaising with relevant local authorities/panel lawyer to perfect the loan documents
• Monitoring and follow up post-drawdown condition with branch compliance with approved terms & conditions.
• Preparing internal Loan and NBC report.
• Preparing documents for loan settlement.
• Checking the loan documents upon execution by borrowers and attested by lawyer, which shall include the followings.
• Correcting dates are inserted
• Reading the memorandum and Articles of Association of the corporate borrower or security provider to determine that the company can borrow or provide the assets as security respectively, corporate authorization and procedures for execution of documents and affixing of company seal
• Working on Board/Shareholders resolutions (when required) are executed by the proper authority
• Evidence of Filing and/or registration when required
• Preparing disbursement checklist to ensure the Terms & Conditions is complied
• Ensuring safe keeping all the loan securities documents

• Evaluating loan applications and submit a comprehensive analyzed credit memo.
• Ensuring that bank’s credit principles and policies are followed and complied.
• Ensuring that deviations from the bank’s credit management processes/procedures/policies are identified and properly addressed.
• Collecting supporting documents from borrowers for the loan applications and verify the repayment sources of income.
• Conducting site visits and inspect where necessary to verify the applications and attend meeting with borrowers to discuss loan proposals to understand their businesses.
• Making sound recommendations based on quality analysis and ensure timely submission of the credit memos for approval.
• Responding to queries raised by Credit Risk Management Team on the loan applications.
• Monitoring the loans review date and ensure prompt review of loans.
• Monitoring progressive loans and post-disbursement conditions to ensure compliance of conditions imposed.
• Ensuring proper filing of documents for the Corporate Borrowers.
• Liaising and follow up with CAD for the issuance of LO and loans releases.

• Perform and handle customers' deposits and withdrawals, changing money, sell banker’s cheques, and purchase traveler’s cheques and accept payment for loans
• Attend to customers' inquiries on the various financial products and services of the bank.
• Perform daily balancing
• Foster service excellence and positive relationship with clients.

• Location:Phnom Penh Capital, Kandal Province, Prey Veng Province, Kampong Speu Province, Kampong Cham Province, Siemreap Province
• Schedule:Full-time
• Salary:N/A
Department/ Branch: Boeung Keng Kang, Mean Chey, Chamkar Doung, Chbar Mon, Ta Khmau, Odongk, Tram Kak, Kampong Trach, Batheay, Memot, Dambae, Chhloung, Snuol, Kamchay Mear, Kanhchriech, Kampong Popil, and Thma Koul Branch
Duties
• Promote and sell the financial products and service to clients
• Liaise and build good cooperation with local authority, partner, and all stakeholder
• Help customer by answering questions and responding to any requests
• Solicits potential and existing clients in accordance with the guidelines, policies, and procedures
• Collect client information, prepare and submit loan documents for assessment
• Analyze and interpret financial statements of borrower’s business, cash flow, and family status in order to access the repayment capacity and financial soundness of the borrowers
• Conducts sit visit of secure collateral and valuate the collateral value by follow guideline
• Training and Educating the credit rule and policies strictly to borrowers before processing the loan documents
• Set up the plan with CCO, and BM for loan disbursement projection as monthly, quarterly and annually basis
• Adhere to high ethical standards, and comply with all regulations/applicable laws
• Network to improve the presence and reputation of the branch and company
• Closely monitor and follow up the borrowers on their business change or any problems then report to direct supervisor for taking early action on time. Ensure the loan repayment with 100% and on time follow up
• Performs other various duties as assigned

• Take the lead in promoting Company’s products and services to potential clients and local authorities.
• Liaise and build good cooperation with local authority, partner, and all stakeholder.
• Study to understand policy, procedure, and guidelines related to providing and collecting loans, and guide credit officer regularly.
• Assess local market conditions and identify current and prospective sales opportunities for Loan and none loan services.
• Train Micro Business Loan Officer how to inspect and analyze record and attitude of loan application in order to ensure that such borrowers are truly adequately qualified for loan, as stated in the loan policy, and that they can perform all requirements for loan security.
• Take part with Micro Business Loan Officer in explaining and educating the loan application about the credit policy and procedure in a way that the loan applicants are aware that the loan including principal and interest shall be repaid regularly according to the schedule in the loan contract.
• Review all loan documents which a Loan officer has made in order to ensure good, clear, accurate, and adequate implementation of the credit policy and guidelines of the higher management before submitting them to higher management for approval.
• Monitor and follow up customer repayment reports daily. In cases where there is a customer later repayment, it is necessary to arrange a Micro Business Loan Officer responsible for accessing the client's residential or business premises so that they can study and solve the problem in a timely manner, avoiding the debt being a serious debt.
• Participate in staff performance appraisal under its direct supervision.
• Advise Micro Business Loan Officers to be aware and take responsibilities to monitor the situation and the borrowers and properties mortgaged, at least once within 6 months.
• Day-to-day manage Loan Officers at the branch by follow up the individual staff Performance, Identify the Training need, provide supporting to improve their performance, and participate of the capacity building.
• Address customer and employee satisfaction issues promptly.
• Adhere to high ethical standards and comply with all regulations/applicable laws.
• Approve the loan by given authorization.
• Review loan reports and others.Perform other duties assigned by superiors.