Assistant Manager, Credit Analyst & Approval

Location: Branch Office

Position: Assistant Manager, Credit Analyst & Approval

Deadline: October 31, 2023

Apply Now

Duties & Responsibilities

  • Handle daily MSME/ big loans credit analysis process to ensure good loan quality and compliancy and timely delivery. This includes making informed credit decision within assigned approval discretion, preparing, reviewing, submitting and providing recommendations on loan proposals exceeding own approval discretion.
  • Conduct loan assessment at field when necessary or required.
    Provide technical support in filling in client’s MSME/big loan application and other necessary information to support the full lending process through iPad.
  • Collect and provide reliable information in relation to associated risks which may impact credit quality eg. Commodity price, industry risk, portfolio concentration risk, etc.
  • Properly implement the related audits and quality assurance findings responses, and assist the supervisor in providing necessary support to related peers and colleagues.
  • Analyze and understand root causes of NPL in respective operational locations and provide reports with recommendation to management.
  • Actively contribute to improvement of credit-related policies, procedures and process.
  • Ensure credit policies and procedures are well understood and adhered to at branch level.
  • Conduct feasibility market/demand studies on MSME loans in respective area.
  • Collect, update and analyze required information relating to key competitors, and clients’ feedback using Competition Matric forms on a regular basis.
  • Identify prospective clients, develop profile, approach and attractively promote MSME/big loans and other integrated services (financial literacy, business advice, micro insurance, savings, transfers, exchanges, and else) to prospective clients.
  • Professionally build personalized and sticky relationship and network with involved stakeholders such as local authorities, merchants, suppliers, existing clients, prospective clients and other referrers to increase MSME/big loans sale.
  • Work with the CRM and involved team to resolve delinquent loans and enhance the credit discipline of clients.
  • Other tasks will be assigned.

Requirement Competencies

  • Must understand and conform to WBC’s Mission, purpose, values, and objectives.
  • Hold minimum bachelor’s degree in Finance/Banking, Management, Accounting or other relevant equivalences.
  • Minimum 3 year experience in credit assessment, loan acquisition, structuring, monitoring and/or other related functions with financial institution including bank and/or MFI.
  • Must have good analytical skills both quantitatively and qualitatively.
  • Sound understanding of Cambodian microfinance sector and lending practices.
  • Good interpersonal, communication, staff supervision, training and conflict resolution skills.
  • Good working proficiency of English and basic computer skills including MS Word, Excel, and Power Point.
  • Demonstrate high level of commitment and trustworthiness.
  • Willing to travel to and/or reside in WBC’s operational areas in province/district.

Benefit Packages

We offer competitive remuneration package and opportunity for career and personal development.

How to Apply

Applyjob@wooribank.com.kh

Phone: 087 666 870

Head Office Address: Building #398, Preah Monivong Blvd, Sangkat Boeung Keng Kang I, Boeung Keng Kang, Phnom Penh.

Senior Officer, Loan Recovery

Location: Branch Office

Position: Senior Officer, Loan Recovery

Deadline: October 31, 2023

Apply Now

Duties & Responsibilities

  • Formulate plan of detail actions of written off loans from previous and current years.
  • Set out the detail actions and target of WO recoveries in daily weekly and monthly.
  • Engage and approach all branch managers and regional manager to discuss and explore practical technique and strategies to incorporate into the plan.
  • Identify and assess a recovery likelihood of WO clients, rating Low, Medium, or High.
  • Coordinate with CSO to identify WO clients and classify them into four different categories according to combination of their willingness to pay and capacity to pay
  • Home visit all WO clients.
  • Work closely with BM and CSO to execute recovery techniques and strategies including, WO mapping, regular home visit and chasing, and collecting.
  • Report the status of loan recovery progress and challenges to direct supervisor.
  • Share recovery experiences and lessons learnt to BM and CSO to get them better knowledge and understood for improving the loan assessment in the next loans made/originated.
  • Any other duties that may be assigned by Head of Credit Recovery from time to time.

Requirement Competencies

  • Must understand and agree on WBC Mission, purpose, values, and objectives
  • Bachelor Degree in Finance/Banking or other related equivalent.
  • Must have strong numeric and analytical skills, and strong team spirit.
  • Must have commitment to assigned tasks and have the ability to work under pressure.
  • Be able to operate smartphone and/or tablet/iPad.
  • Minimum 2 years experience in microfinance operations.
  • Strong interpersonal, communication, staff supervision, training and management skills.

Benefit Packages

We offer competitive remuneration package and opportunity for career and personal development.

How to Apply

Applyjob@wooribank.com.kh

Phone: 087 666 870

Head Office Address: Building #398, Preah Monivong Blvd, Sangkat Boeung Keng Kang I, Boeung Keng Kang, Phnom Penh.

Senior Officer, Mobile Loan Recovery

Location: Branch Office

Position: Senior Officer, Mobile Loan Recovery

Deadline: October 31, 2023

Apply Now

Duties & Responsibilities

  • Assist designated CRM to develop annual POA for successful implementation.
  • With guidance from designated MMLR, the SOMLR prepares his monthly activity plan for fruitful execution to deliver to the main purpose of his position.
  • Formulate recovery target plan for specific PAR in identified ROs and BOs.
  • Work with handled BMs, and CSOs to track their concerned PAR recovery progress by comparing to their set target for better improvement.
  • Carry out all set plans highlighted above timely and successfully.
  • Analyze key contributing root causes of unsatisfied result for next support actions with concerned people.
  • Regularly perform field check and necessary verification to get full understanding of causes and implied effects.
  • Strengthen the RO and BO arrears solving team to be more functioned and active in resolving their delinquent loans.
  • Prepare monthly progress reports for all main target items and action points against the actual result to precisely see the variance or gap for next improvement actions with concerned staff, and then report to the designated OM.
  • Continuously build self-capacity and related skills to improve performance and productivity. Implement the Performance and Development Management (PDM) plan.
  • Any other duties that may be assigned by Head of Credit Recovery from time to time.

Requirement Competencies

  • Must understand and agree on WBC Mission, purpose, values, and objectives
  • Bachelor Degree in Finance/Banking or other related equivalent.
  • Must have strong numeric and analytical skills, and strong team spirit.
  • Must have commitment to assigned tasks and have the ability to work under pressure.
  • Be able to operate smartphone and/or tablet/iPad.
  • Minimum 2 years experience in microfinance operations.
  • Strong interpersonal, communication, staff supervision, training and management skills.

Benefit Packages

We offer competitive remuneration package and opportunity for career and personal development.

How to Apply

Applyjob@wooribank.com.kh

Phone: 087 666 870

Head Office Address: Building #398, Preah Monivong Blvd, Sangkat Boeung Keng Kang I, Boeung Keng Kang, Phnom Penh.

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