Consumer Loan Supervisor

Job Purpose

To ensure consumer loan applications submitted by Branch/Head Office Sales Team are reviewed and analyzed through coordinating, evaluating applications put forth, scoring, carrying out credit & due diligence checking, managing team performance while ensuring compliance to Credit Policy for good lending practices and finally giving opinion of the application based on merits to upheld excellent asset quality of the bank.

Responsibilities

• Review and support Credit Appraisal Report for Consumer Loan applications submitted by Branch/Head Office Sales Team.
• Conduct due diligence checks on customers and authenticity of documentary evidence submitted by Branch/Head Office Sales Team furnished by the Borrowers/clients.
• Conduct joint site visit to premise(s) or property(es) of customers/clients with Branch/Head Office Sales Team on selective basis shall physical inspection or communication be needed to satisfy with soundness of their income/business in the essence of the business nature/proposal of the loan application in the Bank’s interest.
• Ensure compliance to ABA Credit Policy and/or relevant prescribed lending guidelines of each application and recommending appropriate mitigations if any.
• Analyze and determine overall credit worthiness of the Borrower/client, including but not limit to purpose, loan packaging, financial strength, repayment capacity and collateral position.
• Ensure own and team’s reviewed and supported consumer loan applications reviewed and analyzed by team are properly evaluated and complied to Credit Policy before submission to approval authorities.
• Recommend bankable or non-bankable deals with risk-based justification, relevant credit risk mitigations or unmitigable concerns of each loan application prior to submission to relevant competence approving parties to make an informed decision.
• Monitor team performance through assigning tasks, reviewing works, continuous performance tracking, guiding and feedback to ensure and maintain high performing team spirit.
• Provide on-the-job coaching to peers and/or officers under own supervision and demonstrate leadership skills.
• Act in capacity as a committee member who hold voting rights on each application submitted for decisions within the committee’s competence authority.
• Closely monitor own loan portfolio outstanding recommended/reviewed for timely repayment with Branch/Head Office Sales Team to ensure Portfolio at Risk remains within acceptable level and/or to engage customers to take appropriate action in time with tailored solutions offered by the Bank.
• Work closely with Branch/Head Office Sales Team and credit monitoring team to follow up on all post disbursement conditions and financial covenants and ensure full compliance.
• Discuss and provide input for credit-related issues and loan packaging with Branch/Head Office Sales Team prior to/upon loan application submission with the Bank’s tailored solutions for the clients as well as to take the opportunity to cross-sell other banking products.
• Coordinate closely with Branch/Head Office Sales Team to promote an opened dialogue, efficient working relationship, and precise process flows environment along with line-manager.
• Manage relevant monitoring reports of Consumer Loan portfolio and data-keeping for internal usage.
• Conduct training session to Branch/Head Office Sales Team from time to time to refresh credit skills and address hiccups/challenges, especially whenever there is a major policy update.
• Other tasks assigned by line-manager.

Qualifications

• Bachelor’s degree in finance and banking, accounting, or any relevant field.
• Minimum three years of working experiences in banking and financial services industry with a strong track record in granting loans in retail or wholesales loan.
• Good knowledge of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.
• Excellent client relationship management, communication, negotiation, problem solving and interpersonal skills.
• Strong credit evaluation and analysis skills.
• Sense of judgement and common sense with both qualitative and quantitative tools to provide sound and comprehensive analysis/evaluation on complex credit applications.
• Good demonstration of presentation skills and professionalism.
• Excellent organizing, recording, and filing skills.
• Good math skills and ability to spot numerical errors.
• Ability to use and communicate in both Khmer and English and/or other languages.
• Proficiency in Microsoft Office and Bank’s software.
• Strong dedication to accuracy and efficiency.