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Practical Loan Assessment

What you will benefit?

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

• Know the advantage and disadvantage of lending activities
• Be aware of practical lending process and warning signs before disbursement
• Know how to conduct loan assessment, to analyze the information of loan applicants and to make loan decision properly
• Obtain lessons learned and case study of loan assessment
• Become an excellent loan analyst

Course Contents

1. The overview of lending activities
1. Importance of lending in financial institution and economy
2. Advantages and disadvantages of lending
2. Map of lending and warning signs
1. Pre disbursement
2. During disbursement
3. Post disbursement
3. Practical Process of Loan Assessment
1. Collecting information
• Key information indicators
• Checking document profile
• On-site investigating
• Interviewing
• Cross checking information
2. Analyzing information
• Financial information analysis
• None financial information analysis
• Key ratios analysis
• Risk assessment of individual borrower
• SWOT analysis
3. Loan decision making
• Identifying the purpose and business need
• Loan size determination
4. Lessons learned and case study of loan assessment
5. The best way to become an excellent loan analyst

Training Fee

• USD 170 per participant per two-day training course
• USD 160 per participant per two-day training course, for organization which sends 3 or more participants to the course
• This fee includes training materials, refreshments, lunch and certificate

Registration

If you are interested, please fill our enrolment form and then send to us via: lim.dina@acledabank.com.kh or tauch.an@acledabank.com.kh

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.

Trainers

Mr. Ann Chantha
Senior Faculty of ACLEDA Training Center (ATC)

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 Training Center.

Mr. Yi Sokkim
Senior Faculty of ACLEDA Training Center (ATC)

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). Mr. Yi Sokkim Senior Faculty of ACLEDA Training Center (ATC).

Guest Speaker: Senior Manager from Credit Division, ACLEDA Bank Plc.