JOB OVERVIEW
The employee will be responsible for mitigating credit risk of the Bank to an optimum level by providing sound credit assessment and managing Credit Analyst team effectively.
JOB DUTIES & RESPONSIBILITIES
- Act to accomplish the Bank’s lending direction in line with the shareholder’s objective to support SMEs of Cambodia while at the same time to mitigate the Bank’s risk at optimum level.
- Conduct assessment on quality of loan applications submitted by BUs then highlight all risk concerns and provide sound recommendations to approving authority for decision making.
- Check and validate provided documentation and information including but not limited to the purpose of fund utilization, business registration and ownership, financial documents, collaterals, etc. to ensure all credit proposals follow all requirements in relevant policy/regulation.
- Conduct site visits to the business premises and collaterals, as and when required.
- Communicate the approval decision to respective Relationship staff.
- Organize and facilitate the meeting of the Credit Committee and take minutes of the meeting, if requested by the Line Manager.
- Review disbursement request on fulfilments of pre-disbursement condition and circulating for approval.
- Review change request submitted by BUs to discuss with the line manager before circulating for approval.
- Support initiative of new credit products/lending programs introduced by the Management through providing input on credit risk, compliance matters, and workflow and assessment procedure establishment.
- Assist in developing relevant credit policy and procedures and continuously improve them in response to changes in regulation and market.
- Provide sufficient training to Relationship staff and Assessment team on credit policy and procedures.
- Allocate application to team member and manage turnaround time at target SLA
- Develop and improve team performance reporting tools to keep track of the status of each loan application and staff evaluation purpose.
- Constantly review and analyze the portfolio concentrations to manage the portfolio risk and make recommendations to improve and mitigate the lending risk.
- Provide coaching, mentoring, and ensure staff capacity is continuously developed.
- Set up KPI for Credit Assessment Team and conduct yearly staff performance appraisal.
- Perform the assigned tasks with high integrity and professional conduct.
- Perform other related duties assigned by the Management.
PERSON SPECIFICATION KNOWLEDGE & EXPERIENCES
- Holding at least bachelor’s degree in Banking & Finance, Accounting, or related field
- Obtaining at least 7-year Credit experience and more than 03 years in Credit Assessment
- Having acceptable knowledge in good credit practices, customer protection concept, and responsible lending to avoid negative impact on environment and society.
- Being able to produce and present necessary reports using computer applications such as Ms. Word, Ms. Excel, Power Point, etc.
- Experiencing in a competitive working environment.
