Senior Relationship Officer - SME

About the role

The bank is looking for a Senior SME Relationship Officer for its SME Lending Department. The role covers loans exceeding $200K: assessing potential customers, managing and growing the loan book, and strengthening relationships with existing SME clients.

Key responsibilities

• Identify and assess potential customers by gathering and analysing information needed for loan assessment.
• Promote cross-selling of bank products and services to existing and new customers.
• Analyse customer financial statements, cash flow and business viability; conduct site visits to verify operations, collateral and ownership.
• Prepare credit proposals and loan applications in line with bank credit policy, and coordinate with Credit, Risk, Legal and Operations teams for approval and disbursement.
• Ensure proper documentation and compliance before loan drawdown, and prepare loan reports as required.
• Keep close contact with customers, resolve their queries on loan products and formalities, and help them expand their product holdings.
• Review credit reports, analyse PAR and credit quality, and coach and mentor newly hired staff.

Required profile

• Bachelor's degree in Finance, Banking, Accounting, Business Administration or a related field.
• Minimum 2-4 years of experience in SME or commercial lending.
• Hands-on experience in customer sourcing and loan processing.
• Good spoken, written and reading English.
• History of managing loan quality and growing portfolios; able to work under pressure and over time.

Required skills

• Computer literacy: Khmer and English typing, MS Word, Excel and PowerPoint.
• Ability to read, interpret and analyse data and statistics, including government regulations.
• Understanding of probability, statistical inference, fractions, percentages and ratios.
• Detailed, decisive and analytical approach.

To apply, send an updated cover letter and CV with a 4x6 photo to the bank's HR department.