Job Description
This position is responsible for assess the creditworthiness of the retail borrowers, prepares and submits loan proposals to the credit committee for decision-making, has to ensure the effectiveness of credit underwriting turn-around time.

Location
Head Office – Phnom Penh

Duties and Responsibilities

  • Prepare retail, unsecured, cardkri, and auto loan proposals submitted by branches.
  • Analyze the financial statements and creditworthiness of borrowers.
  • Ensure the effectiveness of credit underwriting turn-around time.
  • Identify borrowers’ business risks and propose corresponding mitigations.
  • Interact with branch staff to solicit and verify the borrower’s information.
  • Propose credit decisions and negotiate with branch staff accordingly.
  • Liaise with the Management Credit Committee in presenting a loan proposal and responding to queries or suggestions from the committee.
  • File reports on the turnaround time of the loan process at the head office.
  • Perform tasks assigned by the supervisor.

Skills Specifications

  • Bachelor’s degree in banking/finance, business, economics, or other equivalent qualification. A fresh graduate is also encouraged to apply.
  • At least 1 year of working experience related to credit and/or financial analysis.
  • Strong analytical, decision-making, and problem-solving skills.
  • Good understanding and knowledge of the microfinance and banking sectors.
  • Good interpersonal communication, teamwork, and being result-oriented.
  • Sound computer literacy, particularly in Word, Excel, the Internet, and email.
  • Proficiency in English is a plus.
  • High commitment with strong work ethics and integrity.

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