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Strategies for Loan Recovery Management

Loans are generally vital sources of revenue of financial institutions while they can also be the major expenses if the repayment becomes overdue due to a variety of reasons. This course will guide participants to identify the root causes of loan defaults, to define the problems and to develop the effective strategies to collect the overdue loan on time. In addition, the participants will gain effective tips and more experiences of loan recovery from various financial institutions.

Objectives

After completion of this course, the participants will be able to:

• Define the meaning of Loan Defaults
• Identify the impacts of Loan Defaults
• Develop the strategies to solve Loan problem effectively
• Gain more effective tips for solving Loan problem
• Acquire the additional knowledge and skills of Loan Recovery

Course Contents

1. Introduction to Loan Default
2. Impacts of Loan Defaults
• Internal impacts
• External impacts
3. Practical process of Loan problem solving
• Root causes identification
• Strategies selection
• Strategies implementation
• Outcomes monitoring
4. Effective tips for solving Loan problems
• Do's and Don'ts
• Traditional and None Traditional methods
• Eggs, Carrots and Coffee Beans strategies
5. Experience sharing on Loan Recovery through Alternative Dispute Resolution (ADR) and Judicial Dispute Resolution (JDR)

Training Fee

• USD 170 per participant per two-day 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.

Trainers

Mr. TAUCH Ngam Youra, Assistant Head of Training Centre of ACLEDA INSTITUTE OF BUSINESS (AIB)

Mr. Tauch Ngam Youra has started his career with ACLEDA Bank since 1998. Since then, he has had extensive experience by closely working in credit operations such as credit officer, internal auditor, district team leader, branch manager. He was one of the founders to establish and expand ACLEDA Bank Lao Ltd, Lao PDR, successfully in the position of Vientiane Branch Manager and as the representative member of branch managers in the Board Credit & Risk Committee. In his functional responsibilities, he led and managed credit operations, and built up knowledge, skills, and attitude of chief and credit officers to provide and maintain both quantity and quality of loan portfolio increasingly and healthily.

In addition, from 2009 to 2016, he was Head of Public Relations Department of AIB promoting and cooperatively organizing many MF training and study tour programs for other organizations and the public locally and internationally. Since 2017 to present, he works as Assistant Head of Training Centre of AIB.

Before ACLEDA Bank, from 1982 to 1997, he used to be an official of Banteay Meanchey Provincial Branch of the National Bank of Cambodia.

He received a Master's Degree in Public Administration (MPA) in 2009, from the Chamroeun University of Poly-technology (CUP), Phnom Penh, Cambodia. He also has undertaken study tours to Bank RAKYAT (BRI) in Indonesia, and attended training courses on MFI Management and ToT with the Frankfurt School of Finance & Management, in Germany and the Boulder Institute of Microfinance ITC-ILO, in Turin, Italy.

Mr. TUY Sovannara, Senior Faculty of ACLEDA INSTITUTE OF BUSINESS (AIB)

Mr. TUY Sovannara has been a Senior Faculty at ACLEDA Institute of Business since 2014. He stated his career with ACLEDA Bank Plc from 2000, passing many positions such as Micro and Small Credit Officer, Assistant Vice President and Manager of Credit Officer, Internal Auditor (for 4 years). In 2007, he became an Assistant Vice President and Manager of Accounting Unit of Trade Finance Division, Headquarters. He was promoted as a Senior Specialist of Trade Finance Division from 2013 to 2014.

From 2007 to 2014, he was a member of trainer pool of ACLEDA Bank Plc responsible for delivering training to Credit Officers and Accountants to implement their tasks smoothly and effectively.

He obtained a Master's Degree of Business Administration (MBA), majoring in Finance. He also graduated with a Bachelor of Arts, majoring in English for Business Communication (English Based, International Program). He gained a Bachelor of Economics in Banking and Finance in 2000.

He has attended numerous training programs related to credit, finance and banking, training of trainer, management and leadership locally and internationally. In addition, he got the Certificate International "Certified SME Finance Expert" from Frankfurt School of Finance & Management, German, in 2014, certificate of pedagogy and methodology training course general education from National Institute of Education, in 2016, and he is a candidate of the Association of Chartered Certifies Accountants (ACCA) at FTMS Global Academy.

Guest Speaker

Mr. KIM Bunny, VP & Deputy Head of Credit Division of ACLEDA Bank Plc.