Senior Large Business Loan Officer

About the role

The Senior Large Business Loan Officer at the Grand Phnom Penh Branch acquires and onboards large business loan clients and processes their loan applications through credit investigations, scoring, credit checks and underwriting, ensuring good lending and loan quality.

Key responsibilities

• Maintain and grow the client pool in line with the credit policy and procedures.
• Advise clients on credit issues and loan packaging, and cross-sell other banking products.
• Collect and verify client documents, including credit history and financial statements, and conduct site visits to assess business soundness and collateral.
• Verify document authenticity and prepare the Credit Appraisal Report with detailed financial analysis for loan approval.
• Execute loan contracts, arrange timely disbursement and monitor repayments so that Portfolio At Risk stays within acceptable levels.
• Follow up post-disbursement conditions and financial covenants, handle delinquent cases and resolve complex client complaints.
• Stay updated on new loan types and products and act as a role model in the team.

Required profile

• Bachelor's degree in finance and banking, accounting or a relevant field.
• At least three years of experience in business banking or large business lending.
• Strong credit evaluation skills and financial literacy, with the ability to analyse audited or management financial statements.
• Ability to use and communicate in Khmer and English (and/or other languages).

Required skills

• Proficiency in Microsoft Office and the bank's software.
• Sales, customer relationship building, negotiation, problem solving and communication skills.
• Critical thinking, assertiveness and teamwork.