SME Lending Specialist

Job Summary:

Responsible for promoting and processing loans, analyzing financials, managing client relationships, and ensuring timely repayments. Also involves identifying market opportunities, coaching team members, and supporting branch performance. Requires a degree in business or finance, 2+ years of banking or MFI experience, good communication skills, and a strong commitment to fieldwork.

Main Responsibilities:

• Market bank products to individuals and firms, promoting bank services that may meet customers needs.
• Prospect new clients and assist them for loan application.
• Analyze and interpret financial statements of the business in order to access the repayment capacity and financial soundness of the borrower.
• Conduct loan appraisal, collect detailed information (personal, business, and guaranties), and arrange to open new loan account.
• Prepare and execute loan application/credit memo.
• Monitor/follow up customer repayment daily and solve later repayment in a timely manner, avoiding the debt being a serious debt.
• Assess local market conditions and identify current and prospective sales opportunities for Loan products and others banks products & services.
• Bring out the best of branches personnel by providing training, coaching, development and motivation.
• Performs other various duties as assigned.

Main Requirements:

• Bachelor of Business Administration in Management or Finance and Banking or in any related field.
• At least two years experience in banking or Microfinance industry or another related field.
• Acceptable written and verbal communication skills (Khmer and English).
• Good commitment in fieldwork and strong willing to work with rural people.
• Good understanding of Cambodian banking/MFI rules and regulations.
• Sound working knowledge of Computer (Ms. Word, Ms. Excel, Email).
• Honesty, Initiative, creatively, high commitment and good inter-personal skill, and able to manage and lead team for success.