1. Credit Appraisal & Assessment

• Conduct deep-dive credit appraisals, financial analysis, and risk evaluations for complex Corporate and FI lending facilities (trade finance, term loans, working capital, syndications, and FI limits).
• Evaluate borrower creditworthiness, industry/macroeconomic risks, cash flow projections, collateral coverage, and transaction structures.
• Challenge business proposals constructively, identifying potential risk drivers, early warning indicators, and structural mitigation measures.

2. Portfolio & Underwriting Control

• Ensure strict adherence to National Bank of Cambodia (NBC) regulations, internal credit policies, risk appetite frameworks, and underwriting standards.
• Monitor Corporate & FI exposure limits, counterparty risks, and concentration risks across sectors and institutions.
• Prepare comprehensive, clear, and objective credit appraisal reports and present recommendations to the Credit Committee.

3. Team Leadership & Support

• Direct, mentor, and build technical capacity for junior and mid-level appraisal analysts within the team.
• Review and sign off on appraisal reports prepared by team members, ensuring high standards of credit quality and accuracy.
• Allocate team resources efficiently to manage pipeline priority and uphold turnaround time (TAT) SLAs.

4. Policy & Process Improvement

• Partner with risk management leadership to refine appraisal templates, underwriting guidelines, and risk assessment methodologies.
• Participate in credit process 

• Bachelor’s degree or higher in Finance, Banking, Accounting, Economics, or a related discipline. Professional qualifications (e.g., CFA, FRM, ACCA) are an advantage                        
• Experience: Minimum 5–7 years of solid experience in Corporate and FI Credit Appraisal, Credit Risk Assessment, or Commercial Underwriting in a commercial or international bank in Cambodia.
• Domain Expertise:
• In-depth knowledge of NBC regulations, local market dynamics, trade finance, and FI counterparty assessment.
• Strong mastery of financial statement analysis, cash flow modeling, structural risk mitigation, and collateral valuation.
• Leadership Skills: Proven experience in leading, reviewing, or mentoring credit analysts; strong critical thinking and decision-making abilities.
• Communication: Excellent verbal and written command of English and Khmer. Ability to articulate complex risk arguments clearly to senior management and committees.