Assess and analyze the loan application submitted by branches and recommend by MSME Loan Evaluation Officer/Senior MSME Loan Evaluation Officer and has to ensure the enough data, information, and relevant documents/references.
Analyze and comment to loan cases in liaison with loan policy and forward to concerned department / committee.
Verify and clarify the loan before submitting to Department/ MSME Credit Committee, and presenting the loan to Department/MSME Credit committee.
Verify accuracy of loan approval resolution before its delivery to branches.
Prepare proper loan meeting agendas for designated credit committees.
Coordinate and Conduct the site visit of collateral/ properties, businesses, and other information of the MSME loans.
Be acting as a risk coordinator in identify credit risk for Micro Loan and MSME lending.
Prepare MSME lending report including lending trend, market competition (price &loan conditions), PAR & solving progress, risk and risk mitigation.
Do onside coaching and training to credit operator staff to help them to do loan assessment and able to complete loan forms.
Collect and control errors of loan proposals submitted by branches and suggesting the ways for improving to Deputy/Head of Micro Lending Department.
Review and implement target planning of Micro Lending Department and relevant departments effectively and in a responsible manner.
Set up and controlling as yearly, monthly, and daily plan of disbursement and collection to growth quality of loan portfolio.
Follow up the subordinates’ performance, identify the training need, provide supporting to improve their performance, and participate the capacity building.
Do refreshment to staffs on guideline, procedure, and improve weakness points timely or at least once within 06 months.
Perform other various duties as assigned.
Job Requirement
Bachelor of Business Administration in Management or Finance and Banking or in any related field.
At least three years’ experience in Microfinance or banking industry or another related field.
Honesty, Initiative, creatively, high commitment and good inter-personal skill, and able to manage and lead team for success.
Ability and effectively communicate in both Khmer and English.
Sound working knowledge of Computer (Ms. Word, Ms. Excel, Flexcube, Internet, and Email).
Good commitment in fieldwork and strong willing to work with rural people.
Good understanding of Cambodian MFI/ banking rules and regulations.