Job summary

Location:
Phnom Penh
Education:
Bachelor Degree
Job type:
Full time
Positions:
1
Salary:
USD 700 - USD 1,000

Chief Credit Officer

Job Description
  • Manage to promote the sale of Bank’s products and services to customers
  • Impose planning and strategy for credit officers (COs) to boost loan disbursement and increase market share according to target set forth by Senior Management or Board of Directors
  • Review the credit Procedures and Guidelines and recommend amendments to Senior Management and the Board Credit Committee
  • Ensure that the Credit Policy, Procedures, and Guidelines and other credit process are strictly implemented and in compliance with NBC regulations
  • Develop, build and maintain a customer networking, relationship and customer base for the Bank
  • Supervise credit approval process and monitoring
  • Maintain primary contact with the customer, evaluates customer needs and capabilities. Structures and negotiates credit to satisfy these needs
  • Structure credits including pricing, repayment terms, collateral conditions and documentation
  • Perform credit and financial analysis, prepares and recommends credit applications (including new and existing customers) and submits these to credit authority for action
  • Approve credit proposals within the authority and limits and submit loans to Board Credit committee if it is outside its set limit
  • Analyze credit reports to identify any trends in quantity of and quality of the loan portfolio as well as its components in the different business sectors
  • Ensure that the credit quality is within the set limits
  • Ensure that the credit or customer is regularly review and update
  • Review proposals to take legal action where needed/appropriate and recommend action to Senior Management or Board Credit Committee
  • Anticipate credit risks and take proactive actions to avoid and mitigate them
  • Ensure active and effective management for the recovery of loans
  • Work out with Credit Risk Management and Monitoring Function and Internal Audit to identify and manage fraud and credit risk
  • Maintain relationship with authority and cadaster
  • Solve problems with customer and default debt
  • Control customer data through CBC system
  • Provide cooperative work with Compliance Function to identify and manage compliance risk
  • Provide training and coaching COs & Supervisor at representative offices
  • Fulfill other duties assigned by the Senior Management or Board Credit Committee.

Job Requirement
  • Bachelor or Master degree of Business Administration Banking Finance or other relevant fields
  • At least 5 years in supervisory management with general lending practices
  • Ability in analytical and problem solving skill
  • Good command of English both written and spoken
  • Computer literacy: Word, Excel, Power point, Internet and E-mail.

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