• Acquire new customers
• Promote Housing loan to existing and new customers
• Identify and/or assess potential customers through collecting, analyzing and developing appropriate information necessary for loan assessment and write up credit memo
• Assist to recover bad debt of the branch
• Achieve sale target
• Maintain and provide good service to clients
• Build good relationship with partners
• Prepare loan report for supervisor and/or manager
• Perform any other related duties that Management may require from time to time.

• Build new clients in accordance with the guideline to ensure the secured loans.
• Collect all clients’ information for loan application to verify their eligibility for the loan.
• Gather valid applicants’ financial transaction by obtaining and filling credit histories, financial statement and other information.
• Identify and/or assess potential customers through collecting, analyzing and developing appropriate information necessary for loan assessment

• Assist and generate daily, monthly, quarterly, and yearly non-credit products and services reports for all stakeholders with the commentary to the management for an overview of the operational business growth trend.
• Monitor data, clean data, and share error data to the relevant team to adjust and modify information in system based on the procedure.
• Assist and support for initiating and producing new requirement reports.
• Assist to analyze and collect data for various types of business reports.
• Work closely with IT and business team to initiate and produce new requirement report in needed that provide insight into key data points for management make decision.
• Ensure all non-credit products and services reports are prepared accurately and submitted on time both internal and external (NBC, Lender, External Auditor etc.).
• Maintain and keep properly the reports database and perform updates as necessary to ensure accuracy.
• Monitor the data to identify changes in financial and business trends.
• Support various departments, including marketing and sales, in reaching their goals through analysis.
• Other tasks are assigned by Non-Credit Report Analysis Unit Manager.

• Promote, sale the car loan/General loan products and meet with applicants as the assigned target
• Build and maintain a good relationship with partners and customer
• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans
• Submit applications to credit assessment for verification and recommendation
• Visit the customer’s residence with credit assessment team if requested
• Handle customer complaints and take appropriate action to resolve them
• Prepare weekly report and others necessary report to manager
• Assist other tasks assigned by manager

o Assess loan application and quality check within defined guidelines and policies of each product.Conduct independent credit risk assessments on loan applications and submit to loan committee for approval.
o Conduct on site visit for necessary cases, including suspicious cases and accordingly providing independent observation.
o Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc.).
o Evaluate the financial status of clients including financial ratios, trend, cash flow analysis, and financial projections
o Evaluate clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them
o Analyze the data and preparing reports about the degree of risk in lending money to clients
o Analyze client records and using the data to recommend payment plans
o Monitor loans for compliance.
o Draft models of credit information that predicts trends and patterns.
o Make a plan for annual credit review (twice a year).
o Other tasks assigned by management.
o Making recommendations about procedural/policy changes.

• Managing of Loan sales performance on target both individual and team members/Credit Officers (COs)
• Finding, and maintaining the partners and affiliates for the long run business.
• Strategic planning for loan product, coaching and train team members/COs aiming for target achievement.
• Prepare and check monthly report on loan outstanding disbursement, NPL and other report.
• Check daily loan disbursement report from team members/COs and report to management.
• Be a good facilitator and helper of the team members/COs to cross team for loan processing.
• Site visit on customer’s business/collateral for mitigating the risk if required.
• Check and verify on all loan applications/documents before submit to credit assessment and approval team to analyze.
• Other task assigns by management team.

• Play as bank representative
• Identify potential customers and understand their businesses to recommend appropriate products and services to customer and bring in new deposit base.
• Build close relationship, make appointment with prospective to Promote and cross-sale the bank products and services such as opening CASA, MB, VMV, KHQR, Merchant, Bakong, Biller etc.,
• Onboard of new potential customers and the expansion of existing customers both individual and corporate customers to achieve target.
• Process new account opening, account maintenance and update customer information and document.
• Maintain relationships with new and existing customers by friendly banking experience as well as to keep customers satisfied.
• Handle customer needs and provide appropriate solution to customers.
• Prepare daily plan and sale pipeline submit to line manager for review.
• Ensure customer account opening document comply with policy and procedure.
• Explore ideas, customer feedback and suggestions for improvement products and services
• Must understand FAB of product to be sold
• Prepares sales report showing sales volume, potential sales and present to direct supervisor

• 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

• Market bank products to individuals and firms, promoting bank services that may meet customer’s needs.
• Prospect new clients and assist them for loan application.
• Analyze and interpret financial statements of the business in order to access the repayment capacity and financial soundness of the borrower.
• Conduct loan appraisal, collect detailed information (personal, business, and guaranties), and arrange to open new loan account.
• Prepare and execute loan application/credit memo.
• Monitor/follow up customer repayment daily and solve later repayment in a timely manner, avoiding the debt being a serious debt.
• Assess local market conditions and identify current and prospective sales opportunities for Loan products and others banks’ products & services.
• Bring out the best of branch’s personnel by providing training, coaching, development and motivation.
• Performs other various duties as assigned.

• To acquires new SME borrower and grow SME loan book at the branch
• 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.
• 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.
• Liaising and follow up with CAD for the issuance of LO and loans releases.