Senior Credit Analyst-SME & Retail - BRED Bank Cambodia

Senior Credit Analyst-SME & Retail

Head Office


Credit Analyst & Property Department

Key responsibilities

  • Review loan applications for Retail and SME customers: analyze applicants’ credit history, customer
    characteristics and business outlook, investment, repayment capacity and associated risk in compliance
    with bank policies and procedures.
  • Accurately score each of the deal using internal scorecard.
  • Workshop with business lines to obtain missing information and/or to get answers to any credit related
    questions as needed.
  • Coach new and more junior Credit Analyst: on the job capacity building in credit review.
  • Propose and present credit recommendation with proper covenants based on the Bank credit guidelines, policies & procedures relevant approval authority, including Credit Committee. Maintain Compliance at all times.
  • Play an active and constructive role in identifying opportunities to improve the efficiency and quality of credit process.
  • Assist in administrative functions of the department, if needed.
  • Assist in the preparation, distribution and review of control reports to monitor the Group’s credit portfolio.
  • Review of existing client facilities recommending changes & revisions where necessary.

Required education and experience

  • University Degree Banking, Finance or other relevant field ( Master Level ).
  • At least 5 years of previous credit analysis, SME/corporate relationship manager experience is strongly preferred.
  • Knowledge and understanding of Retail & SME Loan products.
  • Knowledge of Concepts of Credit and Financial Analysis for SME (All FS).
  • Understanding of Property Law & Business Law.
  • Knowledge of Banking Regulations (NBC regulations).
  • Ability to make sound recommendation with proper covenants on Retail Credit Request (Sense of Risk).
  • Ability to review recommendation & make sound credit decision on RMSE Credit Request.
  • Good knowledge of the SME Market in Cambodia.
  • Good level of English (speaking and writing).
  • Good computer skills including Excel is a must.

Required competencies

  • Excellent written and verbal communication skills, strong analytical skills.
  • Strong integrity, commitment and ability to multi-task in a fast paced environment.
  • Autonomous and pro-active.
  • Quick learner.

How to apply

Please send your up-to-date resumé, a copy of your Cambodian ID card and a recent passport size (4×6)
photograph to: BRED Bank (Cambodia) Plc. No. 30, Preah Norodom Boulevard Sangkat Phsar Thmey 3,
Khan Daun Penh, Phnom Penh. Alternatively, email

Deadline: 02 October 2021.

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