Mortgage Loan Officer (Housing Loan)

About the role

The bank is hiring Mortgage Loan Officers across its 30 posts in Phnom Penh branches. The role processes and analyzes mortgage loan applications from individuals and corporations through credit investigations, scoring, credit checks and underwriting, ensuring good lending and loan quality.

Key responsibilities

• Maintain and build new mortgage clients in line with the bank's mortgage policies and procedures.
• Collect and verify clients' documents and compile credit histories, corporate financial statements and other financial records.
• Analyze applicants' financial status, creditworthiness, property value and repayment capacity, including site visits to confirm the purpose of the loan and the adequacy of security.
• Prepare and execute loan contracts and arrange timely, accurate disbursement.
• Explain loan types, credit options and terms to clients, and drive understanding of mortgage products, interest rates and the application process to support cross-selling.
• Visit existing customers regularly to review collateral and financial conditions, maintain relationships and pursue cross-selling.
• Follow up delinquent clients and refer cases to supervisors to manage loan quality, growth and pricing.
• Register title deeds at the local authority and land office to secure proof of ownership.

Required profile

• Bachelor's degree in Finance and Banking, Accounting or a related field.
• At least one year of experience in mortgage, lending, banking or financial services.
• Ability to analyze financial documents and assess credit risk, and to deliver presentations.
• Strong communication, negotiation and relationship management skills; dedication to accuracy and efficiency.
• Fluent in both Khmer and English.

Required skills

• Knowledge of mortgage loan policies, credit analysis and property evaluation.
• Knowledge of bank branch operations, rules, regulations and credit risk management.
• Microsoft Office and the bank's software.