Location: Head Office-Phnom Penh Report to: Unit Manager of BED for Branch Communication and Support Deadline: 04-Aug-2020 Duties and Responsibilities: - Communicate to branches and head office for any information timely. - Create and improve the communication channels to support Branch and Head office with effectiveness. - Collect information to prepare the data for adjustment for HKL. - Keep track the information related to loan, Complaining, Competition Status. - Analyze operational challenges as BED or HKL need. - Prepare and consolidate the operational challenges which received from branches in order to give advice. - Ensure appropriate record, files and documentations are well maintained. Liaise with internal and external auditors where required. - Assist supervisor in order to improve the tasks. - Complete the tasks assigned by supervisor or management.

Location: Head Office-Phnom Penh Report to: Senior Officer of BED for Non-Credit Performance Reporting Deadline: 04-Aug-2020 Duties and Responsibilities: - Prepare daily loan report be effectiveness. - Ensure the data and information is accuracy and timely. - Prepare other products payment report in monthly be effectiveness. - Prepare the data of weighted interest rate and loan collateral TD report to NBC in monthly. - Keep track the report be easy to find if requires both hard copy and soft data. - Provide data and information for internal and external auditor. - Assist supervisor to improve the tasks. - Perform other tasks assigned by supervisor.

Location: Head Office-Phnom Penh Report to: Senior Unit Manager, Independent Risk Champion Deadline: 25-Aug-2020 Duties and Responsibilities: - Oversight the implementation of Credit Procedures, Operational Risk & Fraud Events/risk incidents/operational loss at branch level. - Conduct credit review on post-disbursement to make sure credit file maintain accurate/reliable/sufficient information & match to actual. - Involve in credit review & approval committee at branch level & have authority to comment & risk opinion & voting on loan application - Conduct client visit as well as business assessment & collateral assessment as per required for suspicious or abnormal loan application. - Sample check & review on credit file that assessed by Credit Officer & review the loan application that approved by credit. - Analyze trend of NPL in the operation area & find out the routs cause for reporting to Risk Management Division. - Perform Branch Security Self-Assessment & monitor on top risk at branch level (Operational Risk only). - Act as supporting champion at branch level to support branch staff on AML/CFT/FATCA/ABC agenda. - Perform Compliance Testing/Check to ensure the level of non-compliance is low (base on internal audit finding).

Location: Head Office-Phnom Penh Report to: Unit Manager of CMR for Independent Credit Review & Collateral Deadline: 04-Aug-2020 Duties and Responsibilities: - Conduct Annual Credit Review for analysis the quality of loan and propose recommendation for credit risk mitigation approaches. - Conduct Independent Credit review for quality assessment and address the important issues that lead to credit risk and the compliance made in line with credit policy and procedure. - Conduct collateral validation and valuation of collateral standard pricing. - Verify the standard price of vehicle in system to make sure the up-to-date price. - Identify root cause of loan default by branches . - Contribute to mention and reduce HKL’s loan delinquency. - Assist Unit Manager of Independent Credit Review & Collateral to strengthen credit risk management by looking at the outside factors that may affect the HKL’s market and likelihood of risky event. - Address the factor/control issues and made recommends on policies and procedures for improvement. - Regular monitor and timely report to Unit Manager of Independent Credit Review & Collateral. - Perform other tasks assigned by supervisor.