• 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 and comply to RAC policy
• 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.

• To achieved the Car loan and P-loan yearly target that provided by bank
• Respond to collect the supported doc, site visit the residential working place and business premise, and prepare memo then submit to RLC for approval
• Initiate and establish business relationships with auto dealers, distributors, agents, and corporate partners etc. for referrals of customers to the Bank for financing under approved consumer credit product programs and convince them to become our partner by signing MOU. Such relationships will cover new and used cards, civilian, commercial vehicles and corporate companies etc…
• Quickly report the issues and problems arising from the referral arrangements to direct supervisor for any action so as to ensure the continuation of such relationships.
• Make regular calls and visits to dealers and cooperate partners to nurture and sustain dealer relationships.
• Assist to recover bad debt of the branch.
• All other duties and matters ancillary to the above that Management may require from time to time.

• Evaluate loan applications and submit a comprehensive analysed 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 verify the repayment sources of income.
• Conduct site visits and inspect 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.
• Be 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.
• Liaise and follow up with CAD for the issuance of LO and loans releases.

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

• To acquires all staffs loan applications (Personal Loan, Car Loan and Housing Loan)
• Conduct site visits the purchased Car and House and inspections where necessary to verify the applications
• To evaluate loan applications, prepare credit memo for only Head Office staffs and recommend to approver for make decision
• Ensure that bank’s credit principles and policies are followed and complied
• Coordinate/guide and support branch staff to prepare credit memo
• Prepare monthly loan tracking reports
• Perform other tasks assisted by management.

• Conduct independent credit risk assessment on loan applications (Personal Loan, Car Loan and Housing Loan) which submitted by branch and escalate to management for approval
• Conduct site visits and inspections where necessary to verify the applications, if there is any concern
• To Evaluate client’s credit data and financial statements in order to determine the degree of risk involved in lending money to them
• Ensure that bank’s credit principles and policies are followed and complied
• Prepare monthly loan tracking reports
• Perform other tasks assisted by management

• To monitor retail loan’s customer to be reviewed timely and compliance with bank’s requirement and NBC prakas.
• Tom conduct annual/semi-annual or specific periodical credit review for retail loan accounts timely and accuracy.
• To cooperate with related parties as below for taking action follows the advice/decision from credit review’s approval authority:
o With Collection/Recovery team: if there is payment is late
o With Credit Admin: if renewal insurance: if renewal insurance is overdue
o With Branch: other; if any
o To prepare relevant reports to monitor credit review task and assist Retail Loan Center Manager to prepare other reports if needed.

• Train new and existing Credit Officer about Credit Policies and guidelines, loan assessment and documentation etc.
• Design, coordinate and deliver training program for new and existing Credit Officer in consultation with Head of HR & Admin , and/or department and Branch Manager
• Ensure consistent implementation of training across Credit Department
• Ensure the accurate and timely implementation and maintenance of training record for Credit Officer in consultation with Head of HR & Admin
• Monitor, evaluate and report on learning and development activities across Credit Department
• Ensure all operation work is carried out in a professional and safe manner
• Provide coaching to Branch Manager and Team Leader to meet branch and individual operation goals
• Ensure that credit policies and procedure are adhered to
• Contribute on the development and implementation of credit policies and procedures
• Participate in developing operation plan and implementing action plan to achieve yearly operation objectives
• Produce timely, detailed management report as needed for monitoring and management of all operation performance
• Develop operation report as required

• Managing all finance and accounting operations including Inventory and Supply Chain
• Prepare and review the landed cost and price setting
• Coordinating and directing the preparation of the budget and financial forecasts and report variances
• Preparing and publishing timely monthly financial statements
• Support month-end and year-end close process
• Cash Flow Management
• Prepare financial statements analysis for internal and external use
• Analyze financial performance and forecast long and short term horizons
• Working closely with management or executive teams to share reports and analysis findings
• Well-developed leadership skills
• Manage and comply with local, state, and federal government reporting requirements and tax filings
• Work with Line Manager to drive Company plan process
• Recommend methods and suggestions for cutting cost
• Other tasks assigned by Line Manager

• Annual Evaluation Companies about performance service with the bank to consider to renew MOU or not.
• Annual Mortgage Agencies about performance service with the bank to consider to renew MOU or not.
• To keep and store TDs and Original Loan Documents properly to make sure we have it in the strong room.
• Up to date of data property value in Phnom Penh and other Province to make sure the property value is accurate based on market value, force sale value to make sure that it can sold out easily.
• Manage and Control Valuation Companies and Mortgage Agencies to provide good customer service to the bank and manage them well by branches.
• Try to make strong relationship with Cadastre Authorities for any update information related to bank process.
• Search and Survey rental fee of PPCBank office and prepare rental contract with the lesser
• Manage and organized collateral staffs by classified job responsibility with high responsibility to make sure to provide quick service for the Bank
• To prepare form internal evaluation of property value and other form related to property valuation to branches
• Site visit inspection of property situation to provide value properly and accurately.
• Develop and make guideline to improve performance related to collateral unit procedure.