Credit Officer

Job Description

[Requirements]

• Graduated with a High School​ or  bachelor’s degree in Banking & Finance, Economics, Business Administration, Commerce or a related field.
• Preferably some experience in credit/loan processing, sales or customer service (can consider fresh graduates with strong aptitude).
• Good analytical skills; ability to review financial statements, interpret data and make sound judgments.
• Strong communication and interpersonal skills: confident in dealing with clients and local community.
• Willingness and ability to travel within the province for client visits.
• Could use Microsoft Office (especially Excel, Word)
• Good command of the local language (Khmer) and preferably some English.
• High integrity, reliability, self‑motivated, able to work independently and as part of a team.
• Friendly, persuasive, and result‑oriented.

[Responsibilities]

• Promote and sell the company’s credit/loan products within the branch’s province/area.(Sale Instalment Officer)
• Build and maintain strong relationships with customers to achieve sales targets.
• Explain product features, benefits, terms, and conditions clearly to customers.
• Follow up with customers after sales to ensure satisfaction and encourage repeat business.
• Support clients in completing applications, documentation, and required processes.
• Receive, review and process loan/credit applications from prospective clients.
• Conduct field visits to client business sites / homes in the province to verify information and assess risk. (on-site visit position)
• Prepare loan/credit proposals, calculate key financial/risk ratios, and submit for approval according to company policy.
• Monitor and follow up on disbursed loans: ensure timely repayments, detect early signs of delinquencies.
• Collect loan repayments and other dues from clients according to the company’s policy and repayment schedule. (Collection Officer)
• Follow up with clients on overdue payments through phone calls, visits, or other communication channels.
• Conduct field visits to meet customers in person, verify their payment ability, and negotiate repayment plans when needed.
• Maintain accurate records of loan applications, approvals, disbursements and repayments.
• Build and maintain good relationships with clients, local authorities, referral partners and community stakeholders.
• Ensure compliance with the company’s credit policy, procedures, relevant laws/regulations, and internal controls.
• Other duties as assigned by the Branch Manager or Area Manager

[Working Day/hour]

• Working Time　　　 : 8:00am to 5:00pm (1 Hour lunch break)
• Working Day　　　　 : Monday to Sunday (Day off =2 days)

[Allowance & Benefits]

• OT pay: Yes
• Annual Leave: 18 days
• NSSF: Yes
• Severance Pay (5%)
• Other

*Have penalty if vanish in the period of employment contract (1 year)