Credit Underwriting Officer

Workplace Circumstances

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

Position Summary

Location: Head Office

Duties & Responsibilities

• Review loans, which are submitted from branches and recommended to the credit committee.
• Monitor the performance of team members to have more efficiency and support errors of loan proposals submitted by branches.
• Collect and control errors of loan proposals submitted by branches, analyzed and commented on loan case in liaison with loan policies.
• Regular on-site support to branch network in order to encourage achieving targets, pushing or improving results.
• Strengthen loans assessment with BM/DBM/HFSA/FSA.
• Select poor portfolio performance of branches, identify problems and propose actions to improve.
• Follow compliant from clients related to loan services.
• Visit loan clients which loan size is over to the authorization of Branch Manager and provided loan recommendation if it’s required by the Credit Committee.
• Participate in Credit committee meeting to present the loan information.
• Identify potential business opportunities by branch (cluster markets, potential clients by sector, activities, etc
• Regularly monitor Loan Portfolio Quality and Overdue report from Branches.
• Participate in Credit committee meeting to present the loan information.
• Preparing monthly report to management.
• Perform other duties as assigned by Credit Underwriting Unit Manager.

Languages

• English - Good

Qualifications

• Bachelor's Degree in Banking/Finance or Business Management or equivalence

Work History

• Lending experience with a focus on loans segments for 3 years as a minimum
• Working in regulated financial institution, preferable with some direct lending management experience for 2 years as a minimum

General & Technical Skills

• Experience with building strong relationships to achieve loan growth targets.
• Excellent working knowledge of the market.
• Solid knowledge of risk, macroeconomics, trading, and portfolio theory.
• Good technical knowledge of MS Office products (Excel , Word, others)
• Strong knowledge in English.

Soft Skills

• Proactive, flexible and a good team player.
• Ability on problem solving and good communication skills.
• Good behavior committed and disciplined.