Credit Analyst / AML & Compliance Officer / Relationship Manager - SME - Retail Banking

BRED Bank (Cambodia) Plc., is a subsidiary of the cooperative BRED Banque Populaire, a member of the BPCE Group, the 2nd largest banking group in France, serving more than 31.2 million customers, employing more than 100,000 people worldwide, and counting 9 million cooperative shareholders. 

BRED Bank (Cambodia) Plc is the bank for all the people and businesses of Cambodia who like to keep things simple and easy. We are looking for the qualified candidate who has experience in the banking sector to fill in the below position.
1. Credit Analyst
2. AML & Compliance Officer
3. Relationship Manager - SME - Retail Banking
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01/ Credit Analyst
Location: Head Office

We are looking for Credit Analyst to join our team.

Key Responsibilities:

• Make sound assessment on credit request for consumer and SME financing and recommendation to approving authority on a timely manner;
• Ensure credit policies & procedures are followed;
• Perform financial analysis and conduct verification of financial figures for SME case.
• Maintain high credit standard while ensuring good relationship with Business.
• Ensure good quality of loan portfolio.
• Identify and analyze source of repayment and collateral.
• Play an active and constructive role in identifying opportunities to improve the efficiency and quality of credit process 

Required Education & Experience:

• Experience in credit or related field for at least 5 years.
• Education background in Banking, Finance or business analysis.
• Proficient of English Language is mandatory
• Excellent communication and ability to build effective relationships with stakeholders 
• Strong commitment and able to work under pressure
• Sound understanding of NBC prakas related to credit as well as NBC reporting

Required competencies:

• Customer and detailed oriented.
• Integrity
• Effective communication & good interpersonal skill.
• Strong Autonomous and proactive.
• Good writing skills in English
• Quick learner.

02/ AML & Compliance Officer
Location: Head Office

In the scope of the creation of new French bank, we are looking for an AML & Compliance Officer to join our growing team.

Key Responsibilities:

• Integrate AML regulatory policy into the dayto-day operational processes and procedures of the organization to prevent the AML/CFT operational risks.
• Control AML processes to strengthen their efficiency to meet the local and international regulation
• Daily review CTR, STR, High Risk customers
• Develop and manage an internal surveillance tool to effectively monitor the transactions
• Run the AML/CFT queries, raise, Investigate and assess alerts for potential money laundering risks and abnormal transactions
• Update Law/Prakas in order to make Bank complied with local regulators
• Obtain documentary proof of suspicious transactions and ensure effective record keeping of suspicious transactions identified. Communicate surveillance results and findings to the hierarchy
• Supervise AML activities in branches and assist the business units by providing quality, timely, and balanced risk compliance management support.
• Reviews KYC files for onboarding and due diligence requests.
• Assist management team with effective recommendations and implementation of compliant solutions, and provide relevant advice in regard to AML regulatory obligations
• Send reports to NBC and Bank management

Required Education & Skills:

• Minimum Master Degree in accounting / banking or law
• At least 3 years' experience in similar position.
• Good computer skills
• Fluency in English (written and spoken)

Required competencies:

• Discretion, integrity and rigor
• Have a strong attention to detail
• Willingness to engage and effectively communicate with the sales team
• Autonomous and pro-active.
• Quick learner.

03/​ Relationship Manager - SME - Retail Banking
Location: Toul Kork Branch

Key Responsibilities:

• Meet and exceed the assigned sales and revenue targets though acquiring new customers for deposit, Retail SME and other lending products
• Understand customer’s lending needs and provide suitable solutions through consultation
• Collecting supporting documents, prepare credit memorandum with the provision of strong analysis, recommendation and business justification
• Manage and grow existing customer portfolio for FUM, loan, revenue and profitability
• Leverage and expand customer relationship to maximize referral, cross selling and new business opportunities
• Contribute to the business success by initiating and participating in various coldcalling and marketing activities
• Provide high standard of service to all customers at all times and address all customer’s complaints/issues in the professional manner
• Manage the quality customer portfolio, maintain accurate records, and always follow the bank’s policies and compliance procedures
• Be vigilant on any early credit warning signs and make immediate report on potential financial or operational losses
• Stay updated with bank’s products suite, marketing campaigns and competitor’s activities to ensure superior product knowledge

Required Education & Experience:

• Minimum Bachelor Degree
• OR lower degree accepted if at least 3 years' experience in similar position
• Computer literacy  and English language proficiency (French language is a plus)
• Proven sales and service record in banking or related industries
• Financial background and credit background

Required competencies:

• Discretion, integrity and rigor
• Customer focus and strong communication skills
• Strong analytical skills with ability to articulate complex issues
• Confidence, pro-active and ability to work under pressure
• Good planning, negotiation, problem solving & organizing skills
• Desire to go extra and beyond responsibilities
• Be a team player and like to deal with challenges

HOW TO APPLY

Interested candidates, please submit your resume to this email address: [email protected]