Relationship Manager / Digital Banking Support Officer / Sale Manager, Credit / SME Loan Executive

AMK Microfinance Institution Plc. is one of Cambodia’s leading microfinance institutions, with coverage all over the country. AMK employs over 3,000 staff serving almost 1,000,000 clients in nearly 13,000 villages across Cambodia, 89% of all villages. We are looking for a talented and committed individual to join our diversified team, and offering attractive career prospects across branches and departments of our business.

A job at AMK is more than just a paycheck - we support our employees in their development and growth and help them explore their unique strengths.
1. Relationship Manager
2. Digital Banking Support Officer
3. Sale Manager, Credit
4. SME Loan Executive
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01/ Job Title: Relationship Manager
Report to: Head of Commercial Business
Location: Takeo Province
Closing Date: September 23 ,2020

Job Responsibilities:

• Contribute a development of product, selling and marketing strategies on commercial and superior banking business to support the growth and advancement within the competitive industry. 
• Provide and support sale manager(s) the commercial and superior banking strategies and selling tactics to ensure they are well equipped for accomplishment of their target and objectives. 
• Manage, monitor and evaluate sale manager(s) to ensure the efficiency and effectiveness of their works toward the assigned goal and objectives.
• Build market network and conduct sale approaches to potential clients, especially key Individuals, SMEs and Corporate Clients
• Make appointment and conduct sale presentation to promote commercial and superior banking services to potential customers.
• Manage and build relationship with existing customers to maximize the cross-selling opportunities on all available financial products and services of the company.
• Prepare and properly manage client base, including management of sales pipeline report for Head, Commercial Business and Chief Commercial Business Officer.
• Develop and manage referral from both existing clients or other sources
• Keep up-to-date the competitors’ information, including their products, services and other marketing activities.
• Keep up-to-date with AMK’s marketing activities, products & services, and its product and market proposition to ensure both new and existing customers could be well educated and leveraged as much as possible the opportunities to support their businesses.
• Work with Regional Channel Manager and Provincial Managers to effectively serve commercial and superior customers.
• Contribute in customer referral or cross selling of other products if there is a need
• Other tasks assigned by Head, Commercial Business

Qualification and Experiences:

• Bachelor’s Degree in relevant field
• At least 2-year experiences in banking, microfinance or other field of business operations, especially involving with segments of SME, commercial and high profile individual customers.  
• Good relationship network, especially with segments of SME, commercial and high profile individual customers, is an advantage.
• High energy individual who can motivate staff and create business momentum
• Good communication in English (written and spoken)
• Good communication in Chinese is an advantage (written and spoken)
• Ability to work with cross functional teams
• Strong conceptualization and analytical skills
• Honesty and excellent interpersonal skills

02/ Job Title: Digital Banking Support Officer
Report to: Digital Banking Support Manager
Location: Head Office
Closing Date: September 23, 2020

Job Responsibilities

• Develop material and user Instruction of each channels (Agent, ATM, OTC, Merchant, MB/IB)
• Support end users on AMK digital banking system  
• Unit/ticket testing within team
• Regression testing/UAT on AMK digital banking system
• Raise ticket, follow up and update in Helpdesk (follow internal SLA)
• Work with relevant department/vendor to find out solution for user
• Performs troubleshooting as required, leads problem-solving efforts by involving vendors and other support users
• Strengthen support quality and flexible time rotation
• Provide training and refreshment to master trainer
• Back up Tasks within team
• Any task as assign by supervisor
• Ensure compliance as well as internal and external audit

Qualification and Experiences:

• Bachelor in Information Technology or related field other related field
• At least 1year experience in relevant work
• Ability to analyze the issue system flow and accounting posting transaction in detail
• Be able to handle multi-task at the same time
• Be able to work under pressure
• Can work independently with less supervision
• Knowledge and experience in database management, Ms. SQL server or Oracle.
• Knowledge in programming languages, .NET, Java, etc
• Knowledge of microfinance or banking services is an advantage
• Experience to work or using banking switch, Digital Banking software is an advantage
• Good communication and inter-personal skill
• Working knowledge of English

03/ Job Title: Sale Manager, Credit (1 Posts)
Report to: Relationship Manager
Location: Kampot Province
Closing Date: September 23, 2020

Job Responsibilities

• Provide leadership to SME Credit Officer to accomplish the target
• Analyse the environmental situation in the branch credit(SME) operation area, including competition, client needs, and satisfaction
• Perform home client visit to collect data, verify document and ensure the completion of application.
• Train and support SME credit officer on loan assessment, collateral valuation, loan approval process and target client determination.
• Conduct post check, trigger event and annual review which are required by SME credit policy.
• Follow up SME lending process and ensure policy, procedure and guideline are complying.
• Assist relationship manager on preparing and analysing the credit report at branch which pick up the key issues to relationship manager for action taken.
• Involve in branch risk register process in credit risk.
• On behalf relationship manager to provide training/ refreshment to branch credit staffs on all credit policy including, loan assessment and evaluation, pre-check and post check and property valuation.
• Contribute in customer referral or cross selling of other products if there is a need
• Other tasks assigned by supervisor

Qualification and Experiences:

• Bachelor’s Degree in Banking, Management, Business Administration, or Marketing
• At least 2 years experience in MFI credit operations especially SME lending
• Experience working at MFI as a Chief CO and/or credit supervisor level 
• Good leadership capabilities
• Ability to communication in English and Khmer (written and spoken)
• High motivation and creativity
• Good conceptualization and analytical skills
• Honesty and good interpersonal skills

04/ Job Title: SME Loan Executive (3 Posts)
Report to: Sale Manager
Location: Preah Vihear, Stung Treng and Kampot
Closing Date: September 23, 2020

Job Responsibilities

• Promote SME products to target clients (focus on Entrepreneurs, Retailer, seller …)
• Assessment and disbursement Loan
• Follow up and maintenance loan quality
• Prepare loan projection plan and monthly disburse plan with approval by Sale Manager
• Maintenance loan quality
• Follow up and solve problem then report to Sale Manager
• Liaison with the local authority in initiating promotion and loan problem settlement
• Performs other duties as required by Sale Manager.

Qualification and Experiences:

• At least study in 4 year at university in Economics, Banking & Finance, or related fields
• At least two years experiences in credit officer position at MFI or bank.
• Objectivity, sound judgment and problem-solving skills
• Planning and organizing skills and ability to work under pressure
• Adequate knowledge on credit and loan policies and methodologies
• Willing to drive and work at the field
• Good computer skills
• Working knowledge of English
• High motivation and ability to work without supervision
• Good interpersonal and team work skills

Benefits

• Competitive salary package to the employees
• Khmer new year bonus
• Phchum Ben bonus
• Retention bonus
• Retirement bonus
• Incentive
• Pension fund
• 100% medical insurance for employee’s spouse and children for local treatment
• Overseas treatment
• Accident insurance 24/7days
• Education loan with only 2% interest rate per year
• Housing loan with only 5% interest rate per year
• Maternity/Paternity Allowance
• Annual leave based on Cambodia labour law
• Capacity development and opportunity to promote per job requirement
• Seniority payment
• Working condition in accordance to the Cambodian Labor Law

HOW TO APPLY

Interested candidates should apply by sending a CV and a cover letter to: AMK branch and sub-branch offices or Head Office, Building 285, Yothapol Khemarak Phoumin Blvd. (271), Sk. Tomnub Tuek, Kh. Chamkarmorn, Phnom Penh, Cambodia or E-mail: [email protected]

Attachments:

• A copy of obtained certificates or confirm letter by the University
• A copy of national identification, family book, and certificate of birth

For additional information, please contact at Tel: (023) 993 062 / (023) 224 763 or visiting website: www.amkcambodia.com
AMK is an equal opportunity employment. Qualified women and persons with disabilities are encouraged to apply.