Senior Large Business Loan Officer

About the role

The bank is looking for Senior Large Business Loan officers to acquire and onboard large business loan clients and analyse and process their loan applications through credit investigations, scoring, credit checks and other underwriting activities. The goal is to ensure good lending and loan quality in the Large Business Loan segment. There are 5 positions at Head Office in Phnom Penh and 20 in provincial branches.

Key responsibilities

• Maintain and build the client pool according to the credit policy and procedures.
• Advise clients on credit and loan packaging, and cross-sell other banking products.
• Collect required documents and compile credit histories and financial statements to verify eligibility.
• Visit clients' premises to assess the business, loan purpose and collateral.
• Verify document authenticity and completeness, then prepare a detailed Credit Appraisal Report with financial analysis for approval.
• Execute loan contracts and arrange timely, accurate disbursement.
• Monitor existing loans for repayment, keep the Portfolio at Risk within limits, and follow up delinquent cases with higher authorities.
• Follow post-disbursement conditions and financial covenants with credit teams, and handle complex client issues or complaints.
• Keep up with new loan 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, preferably in business banking or large business lending.
• In-depth knowledge of bank operations, credit risk management and the Cambodian context.
• Ability to read audited and management financial statements and assess repayment capacity.
• Khmer and English (and/or other languages).

Required skills

• Credit evaluation and analysis, and financial statement interpretation.
• Sales, relationship building, negotiation, problem solving and communication.
• Microsoft Office and the bank's software.