** Location : Kratie and Rattanakiri ** VisionFund is seeking 01 qualified candidates to fill the position of Senior Underwriter based in above location.The purpose of this position is primarily to manage credit underwriting process with focus on credit underwriting quality especially of big individual loans to align with the strategic direction of the institution. S/he shall actively participate in loan structuring, assessment, approval and monitoring processes under respective approval discretion. ** DUTIES AND RESPONSIBILITIES: - Handle daily SME (Small & Medium Enterprise) / big loans underwriting process to ensure good loan quality and compliancy and timely delivery. This includes making informed credit decision within assigned approval discretion, preparing, reviewing, submitting and providing recommendations on loan proposals exceeding own approval discretion. Conduct loan assessment at field when necessary or required; - Provide technical support in filling in client’s SME /big loan application and other necessary information to support the full lending process through iPad; - Conduct loan quality sampling check on loans approved by lower approval discretion at branch; - Conduct random credit quality review post loan disbursement to ensure credit is properly structured and assessed and report to Head Office ; - Analyze and understand root causes of NPL (Non-performing loan) in respective operational locations and provide reports with recommendation to management; - Actively contribute to improvement of credit-related policies, procedures and process. Ensure credit policies and procedures are well understood and adhered to at branch level; - Conduct feasibility market/demand studies on MSME loans in respective area. Collect, update and analyze required information relating to key competitors, and clients’ feedback; - Professionally build personalized and sticky relationship and network with involved stakeholders such as local authorities, merchants, suppliers, existing clients, prospective clients and other referrers to increase SME/big loans sale; - Work with the Credit Recovery Manager and involved team to resolve delinquent loans and enhance the credit discipline of clients; - Provide capacity building (including training, coaching, mentoring, feedback, etc) to credit operators such as junior Deputy Branch Manager, Branch Manager and especially Client Officer on credit underwriting skills; - Regularly identify capacity-limited staff and report or arrange for a refresher training or orientation; - Report any abnormal cases, fraudulent practices or malpractices or any serious misconducts/behaviors performed by others (peers, subordinates, supervisors...) to the appropriate person.

- Minimum 2 year experience in credit assessment, loan acquisition, structuring, monitoring and/or other related functions with financial institution including bank and/or MFI; - Hold minimum bachelor’s degree in Finance/Banking, Management, Accounting or other relevant equivalences; - Must have good analytical skills both quantitatively and qualitatively; - Sound understanding of Cambodian microfinance sector and lending practices; - Good interpersonal, communication, staff supervision, training and conflict resolution skills; - Good working proficiency of English and basic computer skills including MS Word, Excel, and Power Point; - Demonstrate high level of commitment and trustworthiness; - Willing to travel to and/or reside in VFC’s operational areas in province/district. VisionFund Cambodia is an equal opportunity employer. Qualified women and people with a disability are strongly encouraged to apply. Only shortlisted applicants will be notified for testing. Submitted documents will not be returned. ** Deadline: 22 June 2018 at 5:00PM. VisionFund Cambodia Head Office: Building # 398, Preah Monivong Blvd., Sangkat Boeung Keng Kang I, Khan Chamkarmon, Phnom Penh, Cambodia. - Email: vfc_recruitment@wvi.org - Website: www.visionfund.com.kh (Job Application Form: www.visionfund.com.kh/careers) - Phone: 089 333 767