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Commercial Loan Officer

Gender: Male
Nationality: Cambodian

Work Experience

Commercial Loan Officer

- February 2015 to Present

Canadia Bank Plc - Phnom Penh

  • Develops new loans with prospective clients, as well as retains existing clients, and promotes additional bank products and services to current and new clients. Manages assigned loan portfolio in conformance with the Credit Policy and Procedure; 
  • Compiles and analyzes data for loan requests. Evaluates financial and organizational structure, and other matters on which the company may have information. Enthusiastically participates in and support all bank sales and marketing programs intended to build customer base and enhance customer retention. 
  • Interviews customers/prospects to develop information concerning their business, needs, financial condition and performance to determine whether a loan may be an acceptable risk. 
  • Collects and analyzes information that reflects the credit worthiness of customers and the merits of existing loans. Information may be obtained by direct inspection of the applicant's business and/or collateral, review of interim financial reports, personal interview, etc. 
  • Makes recommendations to Chief of Loan Officer or Branch Manager regarding terms and conditions for loan packages. Outlines loan terms and conditions by preparing CA following CPP. Informs the borrowers of loan commitments when it has been approved by Loan Committee. 
  • Provides reports on the status of loans in process. Prepares loan report on possible loan delinquencies to hierarchy, as well as follow-up for all required information per the loan covenants. Handles customer problems and complaints; counsels customers. 
  • Enters data of principal and interest and renewal loan into BTS. 
  • Follows-up and reminds the customers on loan maturity (both principal and interest). 
  • Visits and cooperates with local authorities and cadastral unit regarding confirmation and clarification of customers’ collaterals. 
  • Makes weekly and monthly report on loan to H.O. 
  • Issues L/C and monitors Credit Line of customers; 
  • Prints out daily receivable interest list to branch manager for information. 
  • Code of Conduct: Must strictly adhere to the Bank’s Code of Conduct and as also stipulated in the Human Resource Policy and Procedure, taking immediate action to stop and report to senior management and Internal Control any violations or other misconduct. 
  • Must perform other duties as assigned.

Credit Officer

- July 2013 to February 2015

AMK Microfinance Institution Plc - Phnom Penh

  • Survey new village 
  • Promotion meeting about loan, saving, transfer and micro-insurance products 
  • Complete loan and micro-insurance application form 
  • Prepare works plan for weekly and monthly 
  • Monthly meeting(Interests and principle collection) 
  • Disbursement loan 
  • Loans follow up 
  • Post check loan 
  • Bad debt recovery and problems solving 
  • Staffing meeting

Education

BA in Management faculty

- 2011 to 2015

Chea Sim University of Kamchaymear(CSUK) - Cambodia


Skill

MS-Word & Excel-PowerPoint, Access(Level I & II) & Internet & E-mail

Language

Khmer (Native) , English (Fluent)
Last updated: 1 month ago
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Commercial Loan Officer

Canadia Bank Plc

Cambodian

Work Experience

Commercial Loan Officer

Canadia Bank Plc - Phnom Penh

February 2015 to Present

Credit Officer

AMK Microfinance Institution Plc - Phnom Penh

July 2013 to February 2015

Education

BA in Management faculty

Chea Sim University of Kamchaymear(CSUK) - Cambodia

2011 to 2015

Skill

MS-Word & Excel-PowerPoint, Access(Level I & II) & Internet & E-mail

Language

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