Corporate Loan Officer

Workplace Circumstances

• Environment: Office
• Languages: English, Khmer
• Location: Phnom Penh

Position Summary

Location: Head Office

Duties & Responsibilities

• Acquire new corporate loans to hit the disbursement target.
• Ensure the client’s performance complies with all the covenants set by LOLC.
• Prepare comprehensive report including the performance quality, control to be improved, etc. to management frequently.
• Strengthen relationships with existing customers.
• Explain to clients the different types of loans and credit choices that are available, including the terms, to promote cross-selling opportunities.
• Collect all corporate clients’ required documents for loan applications to ensure they are eligible for approval.
• Evaluate applicants' financial conditions, P&L, business conditions, cash flow, credit history, etc. to determine corporate clients’ repayment capacity.
• Conduct due diligence during the loan assessment process to obtain in-depth information concerning the purpose of sound credit assessment and lending decisions.
• Ensure adherence to relevant policies, procedures, and regulations including corporate structure and legal standing, license and permits, environmental and social impact, anti-money laundering (AML), and know your-customer (KYC), etc.
• Proactively manage the loan portfolio by following up on delinquent clients and referring cases to supervisors.
• Stay up to date on new types of loans and other financial services and products to better serve customers.
• Collaborate with relevant stakeholders to identify and address any gaps in our existing process or policy (if any).
• Perform other duties as assigned by Head of Business Department.

Languages

• Khmer - Good
• English - Good

Qualifications

• Bachelor's Degree in business, management, finance and banking, or related fields

Work History

• Sales and corporate loans assessment for 3 years as a minimum

General & Technical Skills

• Strong analytical skills in financial statement and accounting standards.
• A strong understanding of financial compliance and regulatory requirements is a plus.
• Strong verbal and written communication skills in both English and Khmer.
• Good knowledge of the corporate business sector and the overall business environment in Cambodia.