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Loan Recovery in Best Practices

Loans are generally vital sources of revenue of financial institution 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.

Who should attend?

Credit Manager, Branch Manager, Chief of Credit Officer and Credit Officer or someone who work related to credit activity.

What you will benefit?

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 system 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 methodology will be focused on experience based and participatory approaches including brainstorming, group discussion with presentation, group work, sharing hand-on experience, training game, and participants' problem raised during training workshop.

Trainers

Mr. ANN Chantha, Senior Faculty of ACLEDA INSTITUTE OF BUSINESS

Born in 1964, he obtained a Master's Degree of Business Administration (MBA) majoring in Finance from National University of Management, Cambodia in 2011. He graduated with a Bachelor of Business Administration (BBA) majoring in Business Management from University of Management and Economic, in 2004. Since 1993, he has attended numerous courses on Banking Management, Leadership, Credit Management, and Marketing Management both in Cambodia and overseas. He has worked for ACLEDA Bank Plc as a Credit Office in 1993 and then was promoted as a District Team Leader in 1998. From 2006 to 2014, he had been promoted to work as a Branch Manager for 8 years. He has been assigned as a member of trainer pool of ACLEDA Bank Plc., since 2006 and responsible for delivering training courses on Successful Branch Management, Management and Leadership skill, Credit Management, Loan recovery, Delinquency Management, MSME Lending, Work flow of Credit Officer, Loan Evaluation, Credit Risk Management, Bank Risk Management. At present time, he holds a position as Senior Faculty Specialized in Credit at ACLEDA INSTITUTE OF BUSINESS.

Mr. TAUCH Ngam Youra, Senior Faculty of ACLEDA INSTITUTE OF BUSINESS

Mr. Tauch Ngam Youra has started his career with ACLEDA Bank since 1988. He was one of the expert team 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 of the Board Credit & Risk Committee. In his function 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 1998 to July, 2016, he had extensive experience in credit field closely dealing with credit operations such as credit officer, internal auditor, district team leader, branch manager, and head of public relations department to promote and cooperatively organize many MF training programs for other organizations and the public locally and internationally. Before ACLEDA Bank, from 1982 to 1997, he used to be an official of Banteay Meanchey Provincial Branch of the National Bank of Cambodia. At present, he is a Senior Faculty, credit specialist, of ACLEDA INSTITUTE OF BUSINESS. He received a Master's Degree in Public Administration (MPA) in 2009, from the Chamroeun University of Poly-technology (CUP), Phnom Penh, majoring in Humanities and Political Science. He also has undertaken 2 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. YI Sokkim, Senior Faculty of ACLEDA INSTITUTE OF BUSINESS

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. At present time, he holds a position as Senior Faculty Specialized in Credit at ACLEDA INSTITUTE OF BUSINESS. 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

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