Loan Recovery Officer

Workplace Circumstances

• Environment: Office
• Languages: English, Khmer
• Location: Siemreap Province

Position Summary

Location: Based in Siem Reap Branch

Duties & Responsibilities

• Set-up an action plan and monitor overdue and arrears loans on a regular daily basis.
• Conduct site visit to those overdue and arrears loans, which is assigned by line manager.
• Update or provide recommendation to line manager for loan recovery or restructuring.
• Promote settlement and recovery through the debt collection mechanism, in compliance with the Bank’s Procedure, Policy and Senior Manager’s instructions.
• Achieve the collection plan set by Line Manager or Branch Manager.
• Track list of Restructured loans and Non-Performance Loans by working closely as a team with branch loan officers for Default history, better administration, and Repayment schedule.
• Collaborate and work closely with Borrowers, Guarantors, Local authorities, Bank lawyer to resolve disputes or Loan recovery effectively.
• Prepare accurate, timely and efficient follow-up reports as weekly basic.
• Conduct loan assessment for General Debt Restructure (GDR) as monthly basic.
• Be honest and follow the Bank core value (Integrity, Respect, Relationship, Diligence, Commitment), Policies, and Procedures without any fraud.
• Respond to all the inquiries, issues, or errors related to loan repayment to all branch personnel.
• Participate in all activities to promote collection efficiency in the branch
• Develop knowledge, understand procedures and guidelines related to core work and banking.
• Perform tasks assigned by the managements.

Languages

• Khmer - Good is required
• English - Good

Qualifications

• Bachelor's Degree in Finance and banking, Accounting or any relevant field

Work History

• Working experiences in credit function of financial institutes for 2 years as a minimum

General & Technical Skills

• Ability to use and communicate in both English and Khmer (Priority)
• Willingly to travel and meet with customers at working hours.
• Basic understanding of Bank branch operations, Rules and regulations, Laws, Lending loans, and Credit risk management;
• Microsoft Office and Bank’s software.

Soft Skills

• Self-motivation, willing to learn and good team player
• Negotiation skills and strong network for positive results.
• Good problem solving, negotiation, interpersonal and convincing skills;
• Patience and understanding of emotions to deal with customers
• Excellent organizing, recording and filing skills
• Strong dedication to accuracy and efficiency.