Junior Small Business Loan Officer
- Andrew Millar
- Aug 4
- 2 min read
Updated: Aug 18
ABA Bank
Job Description
Sector: Accounting & Audit, Finance, Banking, Fintech, Investment, Insurance & Professional Services
Overview
Kouk Roka, Phnom Penh
This is a graduate-level opportunity with ABA Bank, Cambodia’s leading commercial bank and a member of the National Bank of Canada Group.
As a Junior Small Business Loan Officer, you will be responsible for assessing small business loan applications, conducting credit investigations and ensuring high-quality lending standards.
Based in the Pea Reang District Branch, this is a client-facing role that provides first-hand experience in credit analysis, risk evaluation and customer engagement within a structured banking environment.
Key Duties & Responsibilities
Identify and engage both new and existing clients according to loan policies.
Onboard clients and support achievement of loan disbursement targets.
Explain loan options and terms clearly to prospective borrowers.
Collect and verify documentation required for loan applications.
Conduct credit checks and assess applicants’ financial status and repayment capacity.
Compile supporting financial records, including credit histories and corporate documents.
Perform site visits to evaluate loan purpose and collateral adequacy.
Visit existing clients regularly to monitor loan quality and explore cross-selling opportunities.
Follow up on late payments and escalate issues to supervisors when needed.
Register title deeds at local authorities to confirm legal ownership of collateral.
Qualifications, Skills & Experience
High school diploma or associate degree in finance, banking, accounting or a related field.
Less than 1 year’s experience in a financial, administrative or customer service role.
Proficiency in both Khmer and English.
Competent in using Microsoft Office for daily reporting and documentation.
Demonstrated sales and customer service skills.
Strong numeracy and error detection capabilities.
Effective problem-solving and negotiation skills.
Good interpersonal communication with the ability to build lasting client relationships.
High attention to detail and a strong commitment to accuracy and efficiency.
About ABA Bank
ABA Bank is one of the fastest-growing commercial banks in Cambodia, offering a full range of services to individuals, SMEs and corporate clients.
ABA combines local insight with global standards in innovation, compliance and customer service.
The organisation provides comprehensive training, a performance-driven culture and clear pathways for career advancement, making it an ideal environment for ambitious graduates ready to launch a career in finance.
Estimated Salary Range
(unofficial, AI-based prediction):
USD $350 to $500 per month, depending on experience
*Contact the organisation directly for precise salary information.
Regional Salary Comparison
Cambodia: $350 – $500
ABA offers structured graduate roles with clear performance benchmarks and upskilling pathways.
Laos: $300 – $450
Graduate loan officers typically earn less due to smaller-scale banking operations.
Myanmar: $250 – $400
Unstable conditions limit salary progression in the banking sector.
Thailand: $500 – $800
High living costs and competitive financial markets push up entry-level salaries.
Vietnam: $400 – $700
Rapid growth in SME lending is creating more demand and better pay for junior officers.