Credit Assessment Manager (3 Positions)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
Class: M1
Department: Assessment and Approval
Report to: Team Head
Division: Risk
Job Objective:To ensure the quality of loans and prevent any risk to the bank
- Assess loan application and quality check within defined guidelines and policies of each product.
- Conduct independent credit risk assessments on loan applications and submit to loan committee for approval.
- Conduct on site visit for necessary cases, including suspicious cases and accordingly providing independent observation.
- Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc.).
- Evaluate the financial status of clients including financial ratios, trend, cash flow analysis, and financial projections
- Evaluate clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them
- Analyze the data and preparing reports about the degree of risk in lending money to clients
- Analyze client records and using the data to recommend payment plans
- Monitor loans for compliance.
- Draft models of credit information that predicts trends and patterns.
- Make a plan for annual credit review (twice a year).
- Other tasks assigned by management.
- Making recommendations about procedural/policy changes.
- Bachelor degree in the field of Banking/Finance or related degree
- Minimum of Three (3) years’ experience in the Assessment department or leasing company
- Able to use Microsoft office (Word, Excel, PowerPoint) and Internet
- Strong analytic and financial skills
- Attention to details.
- Be honest, highly committed, and flexible
- Able to work under pressure, independently as well as in team.
- Able to use English in speaking and writing (Good)
Call Center Manager (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
Class: M1
Team: Call Center
Report to: General Manager
- Setting up overall work scopes and flows for Call Center
- Establishing and revising all related regulations; policies, guidelines, manuals, forms, etc.
- Checking any relevant rules and regulations regarding to the duties of a call center, especially verifying customers’ identification
- Developing a basic courtesy while greeting and consulting to Bank customers thru the line
- Preparing training materials of basic rules of receiving/calling calls and training staff
- Preparing training materials of bank products with relevant teams and training staff
- Managing and finding better solutions between customers’ requests and bank’s profits
- Building up and improving whole processes of call center operations
- Cooperating with other teams for improving products or services by hearing customers’ voice
- Preparing and reporting performances and/or related issues regularly to managements and/or other institutions
- Any other tasks assigned by line manager
- Bachelor degree in Business Administration, Banking, management and related field
- Minimum 2 years of experience in working at call center
- Minimum 2 years of experience as a manager position
- Able to use Microsoft office (Word, Excel, PowerPoint) and Internet
- Prioritize to find customers’ needs out and satisfy Customers
- Having strong willingness to support Customers as well as bank profits
- Banking business process based on the understanding of IT system to support
- Be honest, highly committed, and flexible
- Able to work under pressure, independently as well as in a team
- Able to use English in speaking and writing (Above the Professional Business level)
Internal Control Manager (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location : Branches
- Providing oversight to ensure Branch operation maintains a robust control environment.
- Supporting/conducting process walkthroughs to identify control gaps and improvements in pursuit of high-quality risk and control execution.
- Evaluating and improving the internal control system and operational effectiveness for Branch and ensuring compliance with the Bank’s policies and procedures, supporting and driving the implementation of process and control design enhancements to standardize processes and controls to simplify and rationalize the internal control environment of the Branch.
- Promoting the importance of a strong internal control environment and the roles and responsibilities with that environment for maintaining the Bank’s reputation.
- Supporting and overseeing the remediation and deficiency assessment process and proactively work with the process to establish proper remediation plan and doing assessment of deficiencies and their underlying root causes, monitoring and guiding Branch in the timely and sustainable remediation of deficiencies and delivering periodic training and expertise to the Branch staff to ensure successful execution of roles and responsibilities.
- Overseeing the implementation of and adherence to the branch’s compliance framework.
- Monitoring and ensuring prevention or closure of any compliance breach or incident faced by the business.
- Providing general legal advice to Branch staff on compliance and regulatory matters.
- Conducting the compliance program such as: participating direct site inspections under regular/irregular program according to the plan and supporting the preparation of the compliance training program etc.
- Conducting the monthly compliance activities report and Internal control report including self
- Supporting the supervision of anti-money laundering and combating financing of Terrorism of the Branch.
- Supporting for reviewing and drafting of major contracts and notices.
- Undertakes other duties as may be assigned from time to time.
- Bachelor degree in law, finance, accounting, and business administration or a related field.
- Minimum 5-8 years of experience related to internal control, audit, or law etc.
- Good business knowledge and working experience around process improvements required, must have solid understanding of internal controls methodology and practices.
- Good command of spoken and written Khmer and English, Korean language is a plus.
- Good project management and coordination skills.
- Professional qualification equivalent to regulatory compliance/advanced AML/CFT is preferable.
- Excellent written and verbal communication skills required along with proven ability to effectively work under pressure and within tight deadlines and should courage to confront difficult issues with the appropriate response.
- Should have strong analytical, problem solving and decision-making skills.
- Must be fluent in Good computer and communication skills.
- Demonstrated analytical, critical thinking skills, decision-making and effective problem resolution skills.
- Have a very positive work attitude.
Assistant Accounting Manager (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location : Head Office
Class: AM (C2)
Department: Accounting and Finance
Report to: Accounting Manager
Division: Support
Unit: Accounting
- Accounting
- Assist line manager in preparing the financial statements follow CIFRS accounting standard and prepare the work paper to support the CIFRS figures.
- Prepare the monthly management financial reports and performance reports based on the requirement of stockholders.
- Assist line manager in setting up the proper semi-auto reporting template to develop in the accounting system (Management report, Performance Report, Group report, etc).
- Supervise daily bank operational expense and loan disbursement support
- Assist line manager in daily, monthly, and yearly account closing monitoring and ensure no significant error in accounting records.
- Manage Account Reconciliation & Ledger Maintenance (HQ and Branches).
- Cooperate with any audit requirements internal, external and group.
- Handle daily Debit Card and Credit Card transaction reconciliation and settlement balance
- Assist senior management team in preparing and updating workflow process manuals.
- Any other relevant tasks, advised by line manager.
- Knowledge and Experience:
- Education in accounting and finance, with 3 years’ relevant experience.
- Knowledge in IFRS standard is a must
- Working experience as an external auditor is a plus.
- Well-developed technical in Word and Excel
- Skills Attributes
- Ability in maintaining high level view, accuracy, attention in detail
- Good interpersonal and communicate skills (both written and verbal).
- Ability to stand firm in difficult issues when required
- Strong analytical capability
- Capable working independently with minimum supervision
- Logical approach, identifying, evaluating issues, problem solving
- Well-developed organization.
- Displays awareness for confidential and sensitive matters
Assistant Tax Manager (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
Class: AM (C2)
Department: Accounting and Finance
Report to: Accounting Manager
Division : Support
Unit: Accounting
- Taxation
- Prepare the monthly tax return such as Prepayment of Profit Tax (PPT), Withholding Tax (WHT), Salary and Fringe Benefit Tax (SFBT), Value Added Tax (VAT), and submit to General Department of Taxation (GDT) no later than deadline
- Prepare Annual Tax Return such as Annual Tax on Income (ToI), Patent Tax, signboard tax, and other taxes and submission in compliance with laws and regulations within timeframe
- Tax professionals and tax consultants in handling taxation mattersManage and coordinate tax queries in all type of tax audit such as limited tax audit, and comprehensive (final) tax audit from General Department of Taxation (GDT)
- Cooperate with any tax audit requirements from internal, and external
- Identify and mitigate tax risks
- Keep alert up to date for management and team regarding to the update/change in law/regulation of taxation
- Assist management team in preparing and updating workflow process manualsOrganize and manage all tax reports, statements and documents related
- Supervise tax accountant in tax compliance related matters and assess the performance
- Any other relevant tasks, advised by line manager.
- Knowledge and Experience:
- Education in accounting and tax, with 3 years’ relevant experience.
- Diploma of Cambodian Taxation or Tax Agent Certificate is given advantage
- Good knowledge in Cambodia tax regulations
- Experience in handling tax filing process
- Working experience as an external tax consultant is a plus
- Well-developed technical in Word and Excel
- Skills Attributes
- Ability in maintaining high level view, accuracy, attention in detail
- Good interpersonal and communicate skills (both written and verbal).
- Ability to stand firm in difficult issues when required
- Strong analytical capability
- Capable working independently with minimum supervision
- Logical approach, identifying, evaluating issues, problem solving
- Well-developed organization.
Teller (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location : Branch
Class: C1
Department: Branch
Report to: Chief Teller
Division : Support
Unit: TBD
Job Objective: To support overall operation in the particular branch.
- Greet all customers in a friendly and warm welcome to incoming customer
- Receive payments by cash and check up the money
- Review cash account on a daily basis
- Maintain an extensive report on daily, weekly and monthly transactions
- Supply client with relevant information on products and services available in the bank
- Other tasks assigned by management
- Bachelor degree(s) from an accredited institution of Banking, Finance and accounting
- At least one year of experience with related field
- Computer skills (MS. Word, MS. Excel, Ms. Power Point, Email, Internet)
- Be honest, high commitment and flexible
- Strong teamwork and interpersonal skills
- Good English with ability to both verbally and writing
Asset Management Officer (3 Positions)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
Class: C1
Team: Asset Management
Report to: SM/DGM
Division : Support
- Filling with MOC process
- Process loan insurance order, recording, settlement, customers ‘claim, monthly reconciling and payment to insurance company
- Registration process with MoPWT (Public Works & Transport)
- Registration process with MLMUPC (Land Management and Urban Planning)
- Support the request from loan departments
- Closely response for pending/outstanding documents with specific date of completing document
- Adhoc request any new requirement from NBC
- Calculation, reconcile with insurance company, and posting into system
- Another task assigned by manager
- Bachelor degree in the field of business administration, banking and finance, accounting etc.
- Minimum 1-year related experience banking business, insurance or relevant fields
- Knowledge of banking business and legal documents
- Good command English
- Be patient, honest, high responsibility and flexible
- Computer literature; familiar Microsoft Office
- Able to work under pressure, independently as well as in team
Credit Support Officer (3 Positions)
Position Summary Expectations - Duties, Responsibilities
Location : Head Office
Report to: Business Admin Manager
Class: C1
Division: Marketing
Team: Business Admin
Unit: Approval Supporting
Job Objective: Supporting Business Team
- Enquiry CBC
- Customer Information and Loan Application Key-in
- Customer Due Diligent and Checking Dow Jones Risk Filtering and KH_Voter list/ KYC
- Collateral verbal check with availability appraisal panels
- Key in/Modify Information of customers in system
- Support and check and Verify documents submitted by Credit Officer
- Supporting branches and internal teams
- Check, verify, and adjust General Loan process in Excel
- Other tasks assigned by Manager
- Holding bachelor degree in Banking, Finance, Accounting or other related fields
- At least 2 years’ experience in financial institutions
- Being hard-working, rigorous, flexible, highly committed and responsible
- Willing to learn new things (Growth mindset) and fast learner
- Proficiency in English is benefit
- Having good communication
- Proficiency in Word, Excel, PowerPoint and Email.
- Clearly understand about bank’s products, bank’s Core Value, Policy and Mission.
Credit Officer (15 Positions)
Position Summary Expectations - Duties, Responsibilities
Location : Head Office/Branches
Report to: TBC
Job Objective: To promote and sale Auto loan/General loan products to reach the target.
- Promote, sale the car loan/General loan products and meet with applicants as the assigned target
- Build and maintain a good relationship with partners and customer
- Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans
- Submit applications to credit assessment for verification and recommendation
- Visit the customer’s residence with credit assessment team if requested
- Handle customer complaints and take appropriate action to resolve them
- Prepare weekly report and others necessary report to manager
- Assist other tasks assigned by manager
- Bachelor degree or fresh graduate in the field of Banking/Finance or related degree
- Minimum of three (3) years’ experience in credit department (SME Loan, Micro Business Loan, and Housing Loan etc…)
- Able to use Microsoft office (Word, Excel, PowerPoint) and Internet
- Be honest, highly committed, and flexible
- Able to work under pressure, independently as well as in team
- Able to communicate in English (Basic)
Marketing and CSR Officer, Event and Administration (1 Position)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
Position Title: Marketing and CSR Officer
Report to: Marketing and CSR Manager
Class: C1
Division: Marketing
Team: Marketing and CSR
Unit: Event and Administration
Job Objective: To support the overall marketing research and branding of the bank
- Work on internal/external event preparation (quotation inquiry, material purchasing/transporting, customer list preparation, etc.)
- Communication with suppliers, vendors, agencies, media and other stakeholders for marketing and advertising purpose
- Conducting marketing activities and sales blitz (indoor & outdoor)
- Responsible for all admin tasks in team (documents, agreement, meeting, materials arrangement, etc.)
- Preparing meeting minutes
- Work on acting/MC tasks
- Assist in CSR activities
- Other tasks assigned by manager in charge
- Bachelor’s degree in marketing, communication, media or related fields
- At least 1 year experience in marketing, communication/media, or event organizing
- Proficient communication skills and ability to negotiate with suppliers, vendors, agencies, media and other stakeholders
- Excellent interpersonal skills
- Ability to work autonomously as well as in a team environment
- Be friendly, highly committed, motivated, creative and ability to work under pressure and flexible schedule
- Well-organized manner
- Talent in acting or MC
- Ability to work outside the office
- Good command of English; ability to communicate in Korean is a plus
- Computer literate in Microsoft Word, Excel and Power Point
Credit Assessment Officer (15 Positions)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office/Branches
Report to: Credit Assessment Manager
Class: C1
Division: Risk
Job Objective: To ensure loan quality, and prevent any risk to the bank in regards of approving
- Conduct independent credit risk assessments on loan applications and submit to loan committee for approval
- Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents and etc)
- Evaluate the financial status of clients including financial ratios, trend, cash flow analysis, and financial projections
- Evaluate clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them
- Analyze the data and preparing reports about the degree of risk in lending money to clients
- Analyze client records and using the data to recommend payment plans
- Monitor loans for compliance
- Draft models of credit information that predicts trends and patterns
- Make a plan for annual credit review (twice a year)
- Other tasks assigned by management
- Bachelor degree or fresh graduate in the field of Banking/Finance or related degree
- Minimum of one (1) year experience in credit department
- Able to use Microsoft office (Word, Excel, PowerPoint) and Internet
- Be honest, highly committed, and flexible
- Able to work under pressure, independently as well as in team.
- Able to communicate in English (Basic)
Loan Recovery Officer (2 Positions)
Position Summary Expectations - Duties, Responsibilities
Location : Head Office
Class: C1
Team: Recovery and Collection
Report to: Loan Recovery Manager
Division : Risk
Unit: TBC
Job Objective: Collecting non payable loan
- Identify and analyze main root causes of loan accounts fall overdue
- Set recovery target, priority, strategies and effectively solve overdue loan accounts
- Manage and control matters to delinquent loan accounts regularly
- Constantly execute collecting those delinquent loan accounts based on the recovery policies procedures
- Ensure that appropriate actions taken towards the objectives and fully recover the overdue amounts
- Monitor overdue accounts on the daily basis
- Allocate the prioritize tasks for the effective analysis of recovery system reports
- Meet with various clients/partners in difficult situations and negotiate for loan settlements, charged off loans and submit appropriate recovery documentation to obtained appropriate approvals from management
- Facilitate activities through effective relationship with branch staff, province staff, concerned departments as well as local authorities
- Prepare regular reports of collection status such as visiting the home/business of the overdue loan as daily, weekly, monthly, quarterly and yearly basis
- Report the management about the legal process if the legal proceeding is engaged
- Bachelor degree in law, finance and banking, accounting, or business management
- At least 1 year of experience in the related field
- Good in English language
- Computer literacy such as MS office, MS outlook, internet and emails
- Good interpersonal communication skill, team work and conflict management resolution and ability to work under pressure
- Be independent, result-oriented, integrity and accountability
- High ability in effective problem-solving by showing good problem-solving negotiation in different level of situations
- High commitment to work under pressure, willing to frequently travel to places across provinces/cities to chase up partners/clients’ overdue loan
Card Operation Officer (2 Positions)
Position Summary Expectations - Duties, Responsibilities
Location: Head Office
Class: C1
Team: Card
Report to: Card Manager
Job Objective: Supporting Card Operation Process
- Checking and creating card applications/document that receive from branches and sale channels
- Verifying cardholder KYC process
- Supporting all branches related to Visa Card operation
- Establishing and revising all related regulations; policies, guidelines, manuals, forms etc.
- Setting up and improving whole process of card operation business
- Supporting card issuance operation such as manufacturing, stock control, delivery etc.
- Preparing and check all kind of internal reports related to Card Operation
- Preparing monthly NBC and CBC report and upload it respectively
- Supporting with card payment banks, card service partners, etc.
- Any other tasks assigned by line manager
- Bachelor degree in Business Administration, Banking, management and related field
- Minimum 2 years of experience in dealing with card business
- Demonstrate strong knowledge of card business process based on the understanding of IT system to support
- Able to use Microsoft office (Word, Excel, PowerPoint) and Internet
- Be honest, highly committed, and flexible
- Able to work under pressure, independently as well as in team
- Able to use English in speaking and writing (Above the Professional Business level)
