Small Business Loan Trainee - Phnom Penh

Job PurposeTo process and analyze small business loan application by conducting credit investigations, scoring, credit checking and other underwriting activities to ensure good lending and loan quality of the branch.LocationPhnom Penh, 100 PostsMajor Areas of ResponsibilitySolicit both potentially existing and new clients in accordance with the guidelines stated in the small business loan policies and procedures to ensure the secured loans.On-board new small business loans to ensure delivery of disbursement targetExplain to clients the different types of loans and credit options that are available, as well as the terms of those services for further cross-selling.Collect all clients’ required documents for loan application to ensure their eligibility to have it approved.Conduct credit investigation to analyze applicants’ financial status, credit, property evaluations, repayment capacity to determine feasibility of granting loans.Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, corporate financial statement and other financial information to prevent them from being conned.Conduct a site visit during loan assessment process to obtain in-depth information concerning to the purpose of customer’s loan application and ensure customer security for the loan is sufficient and acceptable.Follow up delinquent client immediately and refer such case to the supervisor in order to proactively handle the branch loan portfolio.Process registration of title deeds at local authority and land office to acquire the legal evidence of client’s right to ownership of the property.Perform other tasks as assigned.QualificationHigh School Diploma or Associate Degree in finance and banking, accounting and/or relevant field.Fresh graduate or less than one year of working experience in credit/loan processing, sales or customer services is an advantage.Good sales, problem solving, negotiation, and customer service skills.Good understanding of banking products and service/lending part is preferable.Hardworking, commitment, ability to communicate and self-motivated person.Be able to travel based on location set.Ability to use and communicate in both Khmer and English.Ability to use Microsoft Office.Good math skills and ability to spot numerical errors.Strong dedication to accuracy and efficiency.