Senior Credit Underwriting Officer / Lease Business Manager / Business Channel Management Analyst

AMK Microfinance Institution Plc. is one of Cambodia’s leading microfinance institutions, with coverage all over the country. AMK employs over 3,500 staff serving almost 1,000,000 clients in nearly 13,000 villages across Cambodia, 91% 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. Senior Credit Underwriting Officer (1Post)
2. Lease Business Manager (2Post)
3. Business Channel Management Analyst (1Post)
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01/ Job Title: Senior Credit Underwriting Officer (1Post)
Report to: Credit Underwriting Manager
Location: Head Office
Closing Date: December 04, 2020         

Job Responsibilities

• Support business teams in assessing credit worthiness of SME loans.
• Interact with branch staff to solicit and verify borrower’s information.
• Conduct client home visit to collect and/or verify information if necessary.
• Prepare credit proposal and submit to loan approval committee for approval.
• Maintain service level agreement (SLA) in credit processing.
• Conduct training to branch staff on credit assessment with conjunction training department.
• Take part in analyzing industry & segment risk and recommend appropriate approval criteria.
• Perform periodic credit review to ensure good underwriting practices and detect key risk indicators.
• Involve in credit process optimization and improvement.
• Other task required by supervisor.

Qualification and Experiences:

• At least bachelor degree in Economics, Business, Banking & Finance, or other related fields.
• At least two year experiences in credit analysis and credit approval process at MFI or bank.
• Sound judgment using both quantitative and qualitative analytical skills.
• Good problem-solving skills.
• Excellent interpersonal and communication skills.
• Good computer skills, particularly in Ms. Excel.
• English or other second language ability is an advantage.
• High motivation and ability to work without supervision.
• Good sense of humor.

02/ Job Title: Lease Business Manager (2Post)
Report to: Head of Leasing Business
Location: Kampong Thom and Kampot
Closing Date: December 04, 2020

Job Responsibilities

• Develop and initiate strategies for lease portfolio growth at branch level
• Prepare lease operating plan for branch level
• Ensure lease portfolio quality at branch level
• Ensure lease approval process to improve customer service
• Monitor, support, and coach Lease Underwriter at branch to achieve target set
• Monitor, support, and coach Asset & Property Control Officer to achieve target set
• Monitor, support, and coach Dealer Relation & Sale Officer to achieve target set
• Keep informed and up to date the branch market environment and competitors’ strategies
• Closely work with subordinates to promote and sale leasing products
• Lead communications amongst team at branch level to promote and increase teamwork culture for AMK working environment
• Other tasks assigned by supervisor

Qualification and Experiences:

• Bachelor’s degree required, preferably in business (banking, finance, accounting, economics or marketing)
• Three years’ experience in sales and operations in the microfinance/leasing industry
• One year of experience in management and staff supervision
• Prior business development experience required, microfinance or banking industry preferred
• Good personal computer skills including word processing and spreadsheet software applications; working knowledge of MIS for the microfinance industry
• Working proficiency in English
• Strong commitment and keen to travel to provinces

03/ Job Title: Business Channel Management Analyst (1Post)
Report to: Fraud Management & Revenue Assurance Manager
Location: Head Office
Closing Date: December 04, 2020

Job Responsibilities

• Create a detailed business analysis, outlining problems, opportunities and solutions for a business;
• Interpret data, analyze results using statistical techniques and provide ongoing reports;
• Forecast demand, revenue, and expenses for business plan;
• Compile, analyze, and report channel sales performance;
• Analyze pricing data and proposing pricing;
• Monitor and analyze competitive activity, customer, and market trends;
• Other tasks and projects assigned by manager and Head of Channel and Operations Department.

Qualification and Experiences:

• Bachelor’s degree in business, statistics, finance, economics or information technology;
• 2+ years of data business analysis in banking, fintech, telecom or any related industry;
• Strong analytic and critical thinking skills;
• Exceptional written, oral, and presentation communication abilities;
• Expertise with Excel and common data analytics tool required;
• Knowledge of SPSS and/ or SQL language is an advantage.

Benefits

• AMK provides a competitive salary package to the employees
• Salary increment after pass probation
• Salary increment rate every year
• Khmer new year bonus
• Phchum Ben bonus
• Retirement bonus
• Staff incentive
• Staff pension fund
• Staff retention bonus
• 100% medical insurance for employee’s spouse and children for local treatment
• Staff accident insurance 24/7days
• Staff loan for education purpose with only 2% interest rate per year
• Staff housing loan with only 5% interest rate per year
• Allowance for employee and spouse who given birth to the baby
• Annual leave 18 days per year
• Staff capacity development and opportunity to promote per job requirement
• Staff seniority payment
• Working condition in accordance to the Cambodian Labor Law
• Staff overseas treatment

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.Boeng Keng Kang, 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.