Relationship Manager-Corporate Banking Lending

Job Purpose:

To drive the sales of the Bank’s products and services through the acquisition of new client and expansion relationship with existing client under Corporate Banking to grow loan and achieve the sales budget.

Location

• Head Office, Phnom Penh (02 posts)

Major Areas of Responsibility:

• Responsible for achieving the Sales Budget and grow a profitable book of business through establishing effective referral networks including internal relationships, existing customers and local market activities to broadly promote the Banks’ products and services;
• Aggressively acquire new clients and manage existing clients to improve overall profitability.
• Proactive to manage sales pipeline which include up selling and cross selling of the Bank related to products and solution.
• Analyse credit data and financial information to determine the degree of risk involve in extending credit or lending on large or complex loan;
• Market and process the loan applications including credit analysis and summaries of loan requests within deadline prior to submitting to the committee for final approval.
• Actively engage and work closely with Branches and other Business Units to capture down/upstream business and referral opportunity.
• Provide superior customer service through professionalism and offering tailor-made solution.

Qualification:

• Bachelor’s degree in finance and banking, accounting, or any relevant fields.
• Sound credit evaluation and analysis skills with extensive business insights related to medium business loans in Cambodia context.
• Sound analytical skills and conceptual risks in regard to business lending market in Cambodia.
• Sound financial literacy and ability to interpret and analyze financial statements (audited and/or management reports) of the business in order to access repayment capacity and financial soundness of the clients.
• Sense of judgement and common sense with both qualitative and quantitative tools to provide sound and comprehensive analysis/evaluation on complex credit applications.
• In-depth knowledge of the bank operations, rules and regulations, laws, granting loans, and credit risk management.
• Excellent client relationship management, communication, negotiation, problem solving and interpersonal skills.
• Demonstrated leadership & management and ability to motivate and empower team members.
• Presentation skills and professionalism.
• Ability to use and communicate in both Khmer and English and/or other languages.
• Proficient Microsoft Office and Bank’s software.