Sin SovuthySenior Large Loan Officer at Chief (Cambodia)commercial bankPhnom Penh, Por Senchey
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Loan | Credit | Relationship
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Corporate Communications
Relationship Management
Loan/Credit Management
Customer Relationship Management (CRM) Software
Management
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Experience
Senior large Loan Officer Chief (Cambodia)commercial bank
Phnom Penh · September 2018 - Present Senior large Loan Officer
Credit Team leader B.I.C Cambodia Bank Plc
Cambodia · January 2015 - January 2020 • Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. • Generate financial ratios, using computer programs, to evaluate customers' financial status. • Consult with customers to resolve complaints and verify financial and credit transactions. • Prepare reports that include the degree of risk involved in extending credit or lending money. • Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations. • Review individual or commercial customer files to identify and select delinquent accounts for collection. • Confer with credit association and other business representatives to exchange credit information.
Senior Relationship Manager MB Bank
Cambodia · April 2015 - January 2018 • Strong focus business development, relationship building • Resolve customer needs • Understand customer financial and objectives • Recommend appropriate financial or to customer • Propose appropriate products solutions clients loan deposit needs • Assist support bank management delivering customer services • Prepare sales marketing statements reports the top management the bank
Credit Assessment officer Maruhan Japan Bank
Cambodia · June 2013 - February 2015 - Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. - Generate financial ratios, using computer programs, to evaluate customers' financial status. - Consult with customers to resolve complaints and verify financial and credit transactions. - Prepare reports that include the degree of risk involved in extending credit or lending money. - Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations. - Review individual or commercial customer files to identify and select delinquent accounts for collection. - Confer with credit association and other business representatives to exchange credit information. - Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
Individual Customer Relation officer MB Bank PLC Phnom Penh Branch
Phnom Penh · September 2011 - June 2013 Seeking for new customers, developing and maintaining current and potential Individual customers to gain revenue and profit to MB Bank at most. - Developing customer category including current and potential customers - Managing current customer category: meeting clients’ demand simultaneously, effectively implementing MB Bank’s customer care policy. - Potential customer’s development: establishing a strong network and a trustful relationship with potential customers; and introducing and bringing to customers MB Bank’s services package. - Sound cooperating with all departments and divisions at MB in order to provide customers the best services with the punctuality and best quality
Credit officer Acleda Bank Plc.
Phnom Penh · May 2007 - December 2010 - Collect Borrower’s information & Prepare Loan Application - Doing Site visit - Prepare Credit Application for Loan Manager ( Client & Business history, finance spread, collateral information, Repayment risk analysis) · Loan documentation - Credit Application - Loan agreement /Loan extension agreement - Mortgage agreement - Mortgage debenture - Third party guarantee (Personal, Corporate) - Security document (Land title, Asset list…) Solving problems - Try to find causes leading to inability to pay back the loans (deliberate delinquency, business problem, calamity) - Make internal reviews (loan documents, background of clients…) - Meet customers and remind them contracts - Ask them for cooperation to settle the problems
Education
Master of Business Administration Norton University
Phnom Penh · January 2005 - January 2008 Master of Business Administration of Norton University (N.U)
Bachelor Degree of Business Administration NUM - National University of Management
Phnom Penh · January 1998 - January 2002 Bachelor Degree of Business Administration at National Institute of Management (NIM)
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