{"id":347,"date":"2026-05-23T09:59:56","date_gmt":"2026-05-23T09:59:56","guid":{"rendered":"http:\/\/ckls-dev.flexdev-solutions.com\/?p=347"},"modified":"2026-05-23T09:59:56","modified_gmt":"2026-05-23T09:59:56","slug":"credit-officer","status":"publish","type":"post","link":"https:\/\/ckls-dev.flexdev-solutions.com\/index.php\/2026\/05\/23\/credit-officer\/","title":{"rendered":"Credit Officer"},"content":{"rendered":"\n

At C.K.L.S Finance Plc<\/strong>, we are looking for a dedicated and analytical Credit Officer<\/strong> to join our growing team. As a core member of our credit department, you will play a vital role in executing our lending strategy while ensuring the highest standards of risk management. This position is ideal for a professional who thrives in a disciplined environment and is committed to promoting sustainable financial growth through meticulous credit appraisal.<\/p>\n\n\n\n

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Role Purpose<\/strong><\/p>\n\n\n\n

The Credit Officer is responsible for identifying potential clients, evaluating their financial stability, and managing a high-quality loan portfolio. By applying our institutional 5Cs and 4Rs frameworks<\/strong>, you will ensure that every loan disbursement aligns with our mission of responsible and ethical finance.<\/p>\n\n\n\n

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Key Responsibilities<\/strong><\/p>\n\n\n\n

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  • Business Development:<\/strong> Actively promote the institution\u2019s loan products to potential clients and build long-term relationships within the community.<\/li>\n\n\n\n
  • Credit Appraisal:<\/strong> Conduct thorough field investigations and interviews to assess the 5Cs (Character, Capacity, Capital, Collateral, and Conditions)<\/strong> of applicants.<\/li>\n\n\n\n
  • Financial Analysis:<\/strong> Evaluate client business operations, cash flows, and financial health to determine repayment capacity and appropriate loan sizing.<\/li>\n\n\n\n
  • Loan Documentation:<\/strong> Prepare comprehensive credit appraisal reports and ensure all legal and contractual documents are accurately completed and verified.<\/li>\n\n\n\n
  • Portfolio Management:<\/strong> Monitor the performance of assigned loans and maintain a low PAR (Portfolio at Risk)<\/strong> by ensuring timely repayments.<\/li>\n\n\n\n
  • Risk Mitigation:<\/strong> Implement the 4Rs (Re-payment, Rehabilitation, Re-scheduling, and Re-phasing)<\/strong> strategy when managing clients facing financial challenges to maintain institutional stability.<\/li>\n\n\n\n
  • Compliance:<\/strong> Strictly adhere to internal credit policies, national regulations, and our institutional ESG (Environmental, Social, and Governance)<\/strong> standards.<\/li>\n<\/ul>\n\n\n\n
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    Required Qualifications & Skills<\/strong><\/p>\n\n\n\n

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    • Education:<\/strong> Bachelor\u2019s degree in Banking, Finance, Management, Economics, or a related field.<\/li>\n\n\n\n
    • Experience:<\/strong> Minimum of 1\u20132 years of experience in credit operations, preferably within the microfinance or banking sector.<\/li>\n\n\n\n
    • Analytical Skills:<\/strong> Strong ability to interpret financial data and evaluate business risks with a critical eye.<\/li>\n\n\n\n
    • Integrity:<\/strong> Unwavering commitment to ethical banking practices and professional transparency.<\/li>\n\n\n\n
    • Communication:<\/strong> Excellent interpersonal and negotiation skills, with the ability to communicate effectively with diverse community members.<\/li>\n\n\n\n
    • Mobility:<\/strong> Willingness to perform field work and site visits as a core part of the appraisal process.<\/li>\n\n\n\n
    • Technical Skills:<\/strong> Proficiency in Microsoft Office and experience with core banking systems (CBS).<\/li>\n<\/ul>\n\n\n\n
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      Why Join C.K.L.S Finance Plc?<\/strong><\/p>\n\n\n\n

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      • Competitive Benefits:<\/strong> We offer a fair salary package, performance-based incentives, and automatic micro-insurance coverage for staff.<\/li>\n\n\n\n
      • Training & Growth:<\/strong> Benefit from our structured annual training cycles and clear pathways for career advancement into senior leadership roles.<\/li>\n\n\n\n
      • Purpose-Driven Work:<\/strong> Contribute to an institution that prioritizes environmental and social responsibility alongside financial success.<\/li>\n<\/ul>\n\n\n\n
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        How to Apply<\/strong> Interested candidates are invited to submit their CV and Cover Letter to our Human Resources Department. Join us in shaping the future of finance in Cambodia!<\/p>\n","protected":false},"excerpt":{"rendered":"

        At C.K.L.S Finance Plc, we are looking for a dedicated and analytical Credit Officer to join our growing team. As a core member of our credit department, you will play a vital role in executing our lending strategy while ensuring the highest standards of risk management. This position is ideal for a professional who thrives […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4,9],"tags":[],"class_list":["post-347","post","type-post","status-publish","format-standard","hentry","category-careers","category-job-opportunity"],"_links":{"self":[{"href":"https:\/\/ckls-dev.flexdev-solutions.com\/index.php\/wp-json\/wp\/v2\/posts\/347","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ckls-dev.flexdev-solutions.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ckls-dev.flexdev-solutions.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ckls-dev.flexdev-solutions.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ckls-dev.flexdev-solutions.com\/index.php\/wp-json\/wp\/v2\/comments?post=347"}],"version-history":[{"count":1,"href":"https:\/\/ckls-dev.flexdev-solutions.com\/index.php\/wp-json\/wp\/v2\/posts\/347\/revisions"}],"predecessor-version":[{"id":348,"href":"https:\/\/ckls-dev.flexdev-solutions.com\/index.php\/wp-json\/wp\/v2\/posts\/347\/revisions\/348"}],"wp:attachment":[{"href":"https:\/\/ckls-dev.flexdev-solutions.com\/index.php\/wp-json\/wp\/v2\/media?parent=347"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ckls-dev.flexdev-solutions.com\/index.php\/wp-json\/wp\/v2\/categories?post=347"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ckls-dev.flexdev-solutions.com\/index.php\/wp-json\/wp\/v2\/tags?post=347"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}