ខ្មែរ
District Banker
Full Time Pursat, Svay Rieng, Mondulkiri, Takeo Posted 5 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.
