Relationship Manager – Commercial Banking / Assistant Relationship Manager – International Corporate Banking​​​​​​​ / Credit Admin Manager / 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. Relationship Manager – Commercial Banking
2. Assistant Relationship Manager – International Corporate Banking
3. Credit Admin Manager
4. Relationship Manager - SME - Retail Banking
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01/ Relationship Manager – Commercial Banking
Location: Head Office

Key Responsibilities:

• Strong focus on business development, relationship building and networking
• Market products and solutions to increase lending, deposit and cross-sell opportunity.
• Ensure quality of loan portfolio through sound credit assessment and monitoring.
• Prepare sales and marketing statements and reports for the top management of the bank
• Identify and understand customers’ needs and recommend appropriate financial products/service

Required competencies:

• Financial background, analytical and credit background
• Outgoing personality, confidence, and ability to work under pressure and tight deadline
• Minimum 3-year experience in corporate, business lending with proven experience both sale/relationship as well as credit proposal.
• Autonomous, pro-active, solution-oriented and a team-player
• Excellence level of English/Khmer communication
• Sound knowledge to industry and external environment trend and outlook

About BRED Bank Cambodia

• First European Bank in Cambodia; aims to be a bank for all customers and a strong partner for businesses.
• As BRED Bank opens its doors in Cambodia, we aim to build a bank specifically adapted to this market and not a copy of pre-conceived model. We understand that customers can still feel small when talking to a bank. Our approach is to offer strong streamlined processes and to convey a reliable and fast service to all our customers from local families, to executive expats, or young entrepreneurs. Our objective is to close a gap and offer Cambodian people a trustful interlocutor with who to talk freely about their projects and ambitions. What matters to us is how we can serve you and hope you grow. Start with BRED, Grow with BRED.

02/ Assistant Relationship Manager – International Corporate Banking​​​​​​​
Location: Head Office

Key Responsibilities:

• Work closely with Senior/ Relationship Manager (S/RM) to support customer need and inquiry, and to offer banking solution and service.
• Maintain customer files CIF file in Core Banking System, and customer file record
• Assist S/RM in preparation of credit memorandum
• Assist S/RM in preparing sales and marketing statements and reports for the top management of the bank

Required competencies:

• Financial background, analytical and credit background
• Customer service and solution-oriented
• Quick learners, autonomous, pro-active
• A team pressure and ability to work under pressure and conflicting priority
• Experience in credit, corporate, or business lending
• Excellence level of English

03/ Credit Admin Manager
Report to: Head of Credit Admin
Location: Head Office

Key Responsibilities:

• Supervise Loan under Commercial Segment and International Segment:
  • Ensure all lending documents are completed as per Bank policies / Procedures. 
  • Review and check all Loan Agreements such as Letter of Offer, Hypothec Agreements, Loan Consumption Agreements.
  • Review and check all Guarantee Agreements: Personal Guarantee, Corporate Guarantee, Specific Security Agreement, General Security Agreement, Cash over Deposit, Share Pledge, Charge over stock, etc.
• Support team in liaising with business and provide alternative solutions for loan documentation execution and disbursement.
• Control the recording, deposit and withdrawal of the security documentations properly
• Review Draw Down Checklist by ensuring the compliance with approval for all loan including trade finance loan (Trust Receipt, Revolving Short Term Loan, LC , BG)
• Work with Core Banking Team to address system issues, new system functionalities, new system project.
• Support in reviewing credit admin department workflow / process/procedure
• Review and update policies under Credit Admin Department (Provisioning Policies, Credit Recovery Policies)
• Provide regular training to the team on new process, system and loan agreements
• Be responsible for preparing the report to NBC and HQ
• Work with internal auditor and external auditors.
• Support in developing new lending document and reviewing existing lending documents.
• Support on selecting new partner lawyers/notary and insurance companies

Required Education & Experience:

• Minimum Bachelor Degree
• Experience in preparing loan agreement for Commercial Loan for at least 5 years.
• Well understanding of loan system at least 5 years.
• Experience in managing people
• Good computer skills
• Fluent English
• Candidate with legal knowledge is a plus

Required competencies:

• Pay attention to detail
• Good communication & interpersonal skill
• Proactive
• Flexible

04/ Relationship Manager - SME - Retail Banking
Location: Head Office

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]