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District Banker

Full Time Pursat, Svay Rieng, Mondulkiri, Takeo Posted 2 months ago

Business Development

JOB RESPONSIBILITIES

  • Maintain existing and build new clients in accordance with the guidelines in retail lending policies and its procedure.
  • Advising clients on suitable loan and credit options to ensure clients satisfaction and no risk to the bank.
  • Obtaining and assessing financial information, including financial statements and credit histories.
  • Process and write-up loan proposal and detail financial analyst.
  • Ensure timely submission of credit review and renewal prior to expiry date.
  • Manage late payment and work closely with loan recovery team to ensure successfully recovery of loan.
  • Conduct site visit during loan assessment process to obtain clear information about loan purpose of client’s loan application and ensure sufficient and acceptable clients collateral/security for the loan.
  • Prepare and execute loan contract agreement with clients and support for loan disbursement timely and accurately to fulfil client’s satisfaction.
  • Follow-up and regular site visits for loan utilization purpose and develop relationship with clients for further crossing selling.
  • Proper manage the loan portfolio to ensure timely payment.
  • Process registration title deed/soft title deed at cadastral officer/local authorities to acquire the legal evidence of client’s right to ownership of the property.
  • Keeping abreast of amendment to loan products, policies, lending procedures, and regulations to better meet clients

JOB REQUIREMENTS

  • Bachelor’s degree in finance and banking, accounting or other related fields
  • One-year experiences in sales and customer relation management, preferably in microfinance and banking industry.
  • Knowledge of principles and methods for showing, promoting, and selling financial products and services.
  • This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control system.
  • Customer relationship, sales, and credit management
  • Good Time management and monitoring skills.
  • Good persuasive and loan problem solving skills.
  • Understanding of the credit assessment process.
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