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Effective Credit Management for Healthy Portfolio

Nowadays financial institutions take an important role to stimulate the economic growth of Cambodia through providing people with variety of financial services of which credit is the core product, of financial institution, that generates large revenue to support and to grow the operation efficiently. In addition, credit is the main part of financial institution's assets (loan asset) that is required to manage effectively. The healthy loan asset guarantees the sustainable development of the institutions. This course will provide participants the additional knowledge and experiences of ACLEDA Bank Plc., as well as various financial institutions are operating in Cambodia.

Objectives

After completion of this course, the participants will:

• Obtain in depth understanding of a professional credit manager's roles
• Be aware of Credit Management framework of ACLEDA Bank Plc.
• Know how to increase the loan asset of financial institution effectively
• Be able to improve credit quality efficiently
• Gain the practical experience of Credit Management of ACLEDA Bank Plc.
• Manage the credit operation effectively

Course Contents

1. Roles of professional Credit Manager
• Jobs and responsibilities
2. Effective Credit Management framework
3. Credit Quantity Management
• Credit Management organizational structure
• Credit Plan preparation
• Market planning for credit operation
• Human resource planning for credit operation
4. Credit Quality Management
• Credit assessment
• Credit documentation
• Credit discipline establishment
• Excellent customer service
5. Practical Tips for Credit Management through field visit to ACLEDA Bank Branch
6. Credit Operation Monitoring
• Credit monitoring system
• Responsible employees
• Credit monitoring types

Training Fee

• USD 170 per participant per training course.
• USD 160 per participant for organization sending 3-5 participants to the course.
• USD 150 per participant for organization sending 6 participants up to the course.

This fee includes training materials, refreshments, lunch and certificate.

Payment Condition: There is no charge for any cancellation which is made by the deadline of the registration. Cancellation after deadline of the registration and participants appearing without proper cancellation will be charged the full amount.

Methodology

The training workshop methodology will be focused on experience based and participatory approaches including brainstorming, group discussion, group work, sharing hand-on experience, real case studies, training game, participant’s problem raised and addressed during training workshop.

Trainer

Mr. YI Sokkim, Senior Faculty Credit Specialist of AIB

Mr. Yi Sokkim used to be a Credit Department Manager at ACLEDA Bank Lao Ltd. (ABL) and he was also a member of the Board Credit & Risk committee, ALCO committee and a founder of ABL. In his responsibility, he managed, led and trained his Branch managers and Credit officers to implement the credit task to maintain healthy loan portfolio, and especially to prevent delinquencies with satisfactory outcomes.

Since January 2011, Mr. Yi Sokkim has been elected as a senior faculty of ATC specializing in credit. He is an experienced trainer certified by Frankfurt School (FS) and Women's World Banking (WWB). In his speciality in credit, he has conducted many training courses on Loan Delinquency Management, SME Lending, Loan Portfolio Management, Credit Risk Management, etc. to participants from both local and international MFIs and banks.

He used to attend Credit Portfolio Risk Management Master class in Malaysia and numerous training programs related to credit field abroad. He has had more than 17 years of relevant working experience in credit field. He started working for ACLEDA Bank in 1997 as Micro and Small Credit Officer, Chief of Credit Officer, Training Program Officer. Because of his successful experiences and capacity in credit field, he was promoted to Credit Department Manager. He obtained a Master's Degree of Business Administration (MBA) majoring in general management at Royal University of Law and Economic (RULE).

Guest Speaker

Senior Management from ACLEDA Bank Plc.