HRINC (Cambodia) Co., Ltd

Deputy Manager of Credit Assessment

Financeបានបង្ហោះ 0 mo ago

Location

Phnom Penh

Job Type

FULLTIME

Experience

3+ Years

Experience level

កម្រិតសហការី

Work Mode

On-site

Industry

Banking / Financial Service

Languages

Khmer, English

អំពីតួនាទី និងភារកិច្ច

Review and assess credit guarantee applications and Portfolio Guarantee Scheme submitted by Participating Financial Institutions (PFIs), ensure compliance Scheme Features and compliance with all applicable credit policies, procedures, laws, and regulations.
Assess the borrower’s repayment capacity, the borrower's financial strength, borrower’s , credit risk, collateral, management capability and governance, determine the appropriate loan structure, and overall risk profile.
Conduct on-site visits to premises as necessary or as assigned by management to support credit assessment.
Prepare guarantee proposals/memos and provide independent and well-justified recommendations to approvers or guarantee committee members to minimize loan loss and support sustainable growth.
Conduct spot checks and/or periodic reviews of guaranteed loans to ensure compliance, identify emerging credit risks, and report findings to management.
Handle Guarantee Application requests from PFIs related to guaranteed loan settlements, cancellations, amendments, and other relevant matters and perform transaction in GMS.
Record, update, and safeguard all guaranteed loans-related documents submitted by PFIs.
Maintain close coordination with PFIs relevant departments to ensure smooth, efficient, and effective operations.
Contribute to projects related to credit guarantee product development, system enhancements, and operational excellence.
Prepare daily and monthly guarantee performance report, monitor portfolio management and report to management in a timely manner.
Carry out any other duties and ad-hoc assignments assigned by management or when required.

លក្ខខណ្ឌតម្រូវការងារ

Bachelor’s degree in Economics, Finance, , Management, Public Administration, or other related fields (master’s degree qualification or Certified Financial Analyst Qualification (CFA) preferred).
Minimum 3 to 5 years of experience in credit assessment/underwriting, credit risk management, or particularly in the above respective responsibilities for SME and corporate loan in commercial banking.
Extensive knowledge of the banking industry, credit management, risk evaluation, and related banking processes, including regulations governed by the National Bank of Cambodia (NBC).
Proven coordination, interal, presentation and diplomatic skills.
Ability to effectively as a team with a sense of responsibility, flexibility, and adaptability, with proven ability to mentor and supervise staff.
Strong analytical, decision-making, and credit memo writing skills.
Strong verbal and written communication skills in both Khmer and English.
Competence in Microsoft Office Software.

ជំនាញចាំបាច់

Credit AssessmentCredit UnderwritingCredit Risk ManagementSME LendingCorporate LendingBanking Industry KnowledgeCredit ManagementRisk EvaluationBanking ProcessesRegulatory Knowledge (NBC)CoordinationPresentationDiplomatic SkillsTeamworkResponsibilityFlexibilityAdaptabilityMentoringSupervisionAnalytical Skills

កាលវិភាគការងារ និងភាពបត់បែន

Schedule:standard

អំពី HRINC (Cambodia) Co., Ltd

ចូលមើលគេហទំព័រ

HRINC is the leading provider of HR Services to the Cambodia market and expanding to the South East Asia region. We support multinational companies and leading ASEAN conglomerates and SMEs with their Human Resource needs, from consulting and market intelligence, to outsourcing and compliance as well as recruitment.

Industry

Banking / Financial Service

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អំពីតួនាទី និងភារកិច្ច

Review and assess credit guarantee applications and Portfolio Guarantee Scheme submitted by Participating Financial Institutions (PFIs), ensure compliance Scheme Features and compliance with all applicable credit policies, procedures, laws, and regulations.
Assess the borrower’s repayment capacity, the borrower's financial strength, borrower’s , credit risk, collateral, management capability and governance, determine the appropriate loan structure, and overall risk profile.
Conduct on-site visits to premises as necessary or as assigned by management to support credit assessment.
Prepare guarantee proposals/memos and provide independent and well-justified recommendations to approvers or guarantee committee members to minimize loan loss and support sustainable growth.
Conduct spot checks and/or periodic reviews of guaranteed loans to ensure compliance, identify emerging credit risks, and report findings to management.
Handle Guarantee Application requests from PFIs related to guaranteed loan settlements, cancellations, amendments, and other relevant matters and perform transaction in GMS.
Record, update, and safeguard all guaranteed loans-related documents submitted by PFIs.
Maintain close coordination with PFIs relevant departments to ensure smooth, efficient, and effective operations.
Contribute to projects related to credit guarantee product development, system enhancements, and operational excellence.
Prepare daily and monthly guarantee performance report, monitor portfolio management and report to management in a timely manner.
Carry out any other duties and ad-hoc assignments assigned by management or when required.

លក្ខខណ្ឌតម្រូវការងារ

Bachelor’s degree in Economics, Finance, , Management, Public Administration, or other related fields (master’s degree qualification or Certified Financial Analyst Qualification (CFA) preferred).
Minimum 3 to 5 years of experience in credit assessment/underwriting, credit risk management, or particularly in the above respective responsibilities for SME and corporate loan in commercial banking.
Extensive knowledge of the banking industry, credit management, risk evaluation, and related banking processes, including regulations governed by the National Bank of Cambodia (NBC).
Proven coordination, interal, presentation and diplomatic skills.
Ability to effectively as a team with a sense of responsibility, flexibility, and adaptability, with proven ability to mentor and supervise staff.
Strong analytical, decision-making, and credit memo writing skills.
Strong verbal and written communication skills in both Khmer and English.
Competence in Microsoft Office Software.