Micro Business Loan Officer (300 Vacancies)
@ ABA Bank
Job Summary:
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Location: Phnom Penh;
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Function: Sales / Business Development
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Level: General (Officer / Associate etc.)
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Term: Full-time
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Salary: Negotiable
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Company: ABA Bank
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Industry: Banking / Finance
Responsibilities:
Solicit both potentially existing and new clients in accordance with the guidelines stated in the micro business loan policies and procedures to ensure the secured loans;
On-board new micro business loans to ensure delivery of disbursement target;
Explain to clients the different types of loans and credit options that are available, as well as the terms of those services for further cross-selling;
Collect all clients’ required documents for loan application to ensure their eligibility for having it approved;
Conduct credit investigation to analyze applicants’ financial status, credit, property evaluations, repayment capacity to determine feasibility of granting loans;
Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, corporate financial statement and other financial information to prevent them from being conned;
Conduct a site visit during loan assessment process to obtain in-depth information concerning to the purpose of customer’s loan application and ensure customer security for the loan is sufficient and acceptable;
Make the regular site visits to existing customers in order to determine whether the loan should stay the same or be downgraded due to the actual condition of their loan collateral and/or financial situation as well as to develop relationship with customers for further cross-selling;
Follow up delinquent client immediately and refer such case to the supervisor in order to proactively handle the branch loan portfolio;
Process registration of title deeds at local authority and land office to acquire the legal evidence of client’s right to ownership of the property;
Stay abreast of new types of loans and other financial services and products to better meet customer needs.
Requirements:
High School Diploma or bachelor’s degree in finance and banking, accounting or any relevant field;
Minimum one year of working experiences in banking and financial services industry with a strong track record in granting loans;
Basic knowledge of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management;
Ability to use and communicate in both Khmer and English;
Ability to use Microsoft Office and Bank’s software;
Good sales and customer services skills;
Good math skills and ability to spot numerical errors;
Good problem solving, negotiation and interpersonal skill;
Strong dedication to accuracy and efficiency.
Closing Date: 20-Feb-2021
How to Apply: Apply Now
Please send your application to the below contact:
- Name: HR Recruitment
- Email: recruitment@ababank.com
- Phone: 855 98 630 108
- Website: https://www.ababank.com/about-aba/about-us/
- Address: Phnom Penh
Please tell people that you apply from Jobcambodia.com website.
About The Company:
ABA Bank is Cambodia's leading private financial institution (not state-owned enterprise) founded in 1996 as the Advanced Bank of Asia Limited.
In more than 20 years of development and growth, ABA has significantly strengthened its position in the market and broke into the Top 3 commercial banks of the country. Today, ABA offers the entire spectrum of services to customer segments covering SMEs, micro businesses, and individuals.
With 77 branches, 190+ self-banking machines, 450+ ATMs across the country, and advanced online banking and mobile banking platforms ABA Bank reaches out to a large number of customers with an array of modern financial services.
ABA is a subsidiary of National Bank of Canada (www.nbc.ca), a financial institution with around US$245 billion in assets as of July 31, 2020, and huge network of correspondent banks all over the world. Being a shareholder of ABA Bank from 2014, National Bank of Canada becomes the first major financial institution from the North American continent to enter the Cambodian banking sector. Headquartered in Montreal, it has branches in almost every Canadian province with 2.7 million personal clients. It is the sixth largest bank in Canada and the leading bank in Quebec where it is the partner of choice among SMEs.
In 2017, ABA Bank received the long-term and short-term issuer credit rating ‘B’ from Standard & Poor’s (S&P) Global Ratings. The rating was upgraded to 'B+' with Stable outlook in 2019.
The most famous financial publications of the globe recognized ABA's efforts to bring the very best to its clients:
The Banker magazine named ABA as Cambodia's Bank of the Year in 2014, 2016, and 2019. The award recognizes ABA's financial strength, continuous introduction of innovative products, and the best business practices.
Euromoney magazine bestowed ABA Bank as the Best Bank in Cambodia from 2014 - 2020 for its service quality, innovations and efforts for bringing the banking in Cambodia to the next level.
Global Finance magazine awarded ABA as the Best Bank in Cambodia from 2015 - 2020. This award recognizes the commitment of ABA’s team to provide its clients with the tailor-made products and innovative financial solutions.
Asiamoney magazine awarded ABA as the Best Digital Bank in Cambodia 2019 for its digital dominance unparalleled in the sector, expanding reach, and strong support from its shareholder, National Bank of Canada.
ABA Bank – a partnership you can trust!
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