Summary
Overview
Work History
Education
Skills
Timeline
OperationsManager
Chhon Thoeurn

Chhon Thoeurn

Phnom Penh,12

Summary

  • Well-qualified financial systems leader offering demonstrated skill and success in managing internal accounting processes, improving controls and strengthening systems for optimal performance. Proficient in all aspects of accounting, including accounts payable and receivable, budget administration and payroll. Gifted in building and leading solid teams to handle high-volume operations with consistency, accuracy and full compliance with regulatory requirements.
  • Driven Relationship Manager focused on deepening client relationships by providing superior service and support. Outgoing and ambitious professional with 3 years' experience in bank service
  • To seek and maintain a full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
  • Business-driven Relationship Manager always finding successful ways to acquire new clients and foster lucrative relationships. A determined leader with over
  • Years of assisting clients with financial planning processes and assessing financial data. Offering dynamic collaboration and decision making skills.
  • Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Overview

9
9
years of professional experience

Work History

Relationship Manager

Shinhan Bank
Phnom Penh
09.2021 - Current
  • Generated new business and referral clients in partnership with financial advisors and branch team.
  • Monitored issues carefully and reached out to customers to provide immediate resolution and maintain satisfaction.
  • Utilized prospecting techniques to identify potential clients and create opportunities to sell financial services.
  • Developed summaries to assess each client's participation level and determine targets for follow-up plans.
  • Educated clients on available technological tools, enabling development and implementation of solutions to achieve personal financial goals.
  • Educated customers about housing loan tions and processed purchases.
  • Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
  • Planned portfolio solutions after carefully analyzing clients' financial health and future requirements.
  • Worked with clients to address and respond to client and partnership management issues.
  • Built and maintained relationships with new and existing clients while providing high level of expertise.
  • Assisted customers with needs such as opening accounts, depositing or transferring funds, updating account details and signing up for new services.
  • Operated in self-directed environment with minimal input to solve problems and implement resolutions.
  • Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
  • Networked with business leaders and executives to identify clientele within local community.
  • Transcended requirements on consistent basis to satisfy customers.
  • Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
  • Supported end-to-end credit management process, submitted complete loan documentation and supported credit originations for credit compliance.

Relationship Manager-SME

SBI LY HOUR Bank
Phnom Penh
03.2020 - 09.2021
  • Generated new business and referral clients in partnership with financial advisors and branch team.
  • Monitored issues carefully and reached out to customers to provide immediate resolution and maintain satisfaction.
  • Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
  • Supported end-to-end credit management process, submitted complete loan documentation and supported credit originations for credit compliance.
  • Assisted customers with needs such as opening accounts, depositing or transferring funds, updating account details and signing up for new services.
  • Planned portfolio solutions after carefully analyzing clients' financial health and future requirements.
  • Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
  • Built and maintained relationships with new and existing clients while providing high level of expertise.
  • Developed summaries to assess each client's participation level and determine targets for follow-up plans.
  • Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
  • Networked with business leaders and executives to identify clientele within local community.
  • Operated in self-directed environment with minimal input to solve problems and implement resolutions.
  • Worked with clients to address and respond to client and partnership management issues.
  • Utilized prospecting techniques to identify potential clients and create opportunities to sell financial services.
  • Educated clients on available technological tools, enabling development and implementation of solutions to achieve personal financial goals.
  • Transcended requirements on consistent basis to satisfy customers.

Micro Business Loan Officer

ABA Bank
Kampong Thom Province
03.2019 - 03.2020
  • Monitored, followed-up and escalated cases to meet customer response commitments.
  • Retained and grew portfolio of relationships by performing proactive, mobile and value-adding partnership role.
  • Monitored issues carefully and reached out to customers to provide immediate resolution and maintain satisfaction.
  • Generated new business and referral clients in partnership with financial advisors and branch team.
  • Supported [Type] team in implementing sales tactics and achieving growth objectives and sales targets.
  • Developed summaries to assess each client's participation level and determine targets for follow-up plans.
  • Utilized [Software] and [Software] CRM applications for recording and tracking client interactions.
  • Promoted, structured and provided [Type] advice customized to best meet [Type] needs of customers.
  • Facilitated meetings and discussions between client and [Type] team.
  • Liaised with clients by phone, email and text messaging to meet client needs and define expectations.
  • Reviewed and analyzed client support usage and formulated recommendations in collaboration with [Type] teams.
  • Maintained and built close relationships with customers through regular contact and visits.
  • Facilitated meetings and discussions between clients, sales and delivery teams.
  • Supported [Type] team in mining and analyzing customer data to identify and plan for expansion and additional business.
  • Worked with clients to address and respond to client and partnership management issues.
  • Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
  • Educated clients on available technological tools, enabling development and implementation of solutions to achieve personal financial goals.
  • Planned portfolio solutions after carefully analyzing clients' financial health and future requirements.
  • Utilized prospecting techniques to identify potential clients and create opportunities to sell financial services.
  • Assisted customers with needs such as opening accounts, depositing or transferring funds, updating account details and signing up for new services.
  • Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
  • Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
  • Operated in self-directed environment with minimal input to solve problems and implement resolutions.
  • Built and maintained relationships with new and existing clients while providing high level of expertise.
  • Transcended requirements on consistent basis to satisfy customers.
  • Supported end-to-end credit management process, submitted complete loan documentation and supported credit originations for credit compliance.
  • Networked with business leaders and executives to identify clientele within local community.

District Branch Manager

SAMIC Plc (Nong Hyup Finance)
Kampong Thom Province, Baray
01.2015 - 09.2016
  • Improved operations through consistent hard work and dedication.
  • Actively listened to customers' requests, confirming full understanding before addressing concerns.
  • Used Microsoft Word and other software tools to create documents and other communications.
  • Exceeded goals through effective task prioritization and great work ethic.
  • Offered friendly and efficient service to customers, handled challenging situations with ease.
  • Developed and implemented performance improvement strategies and plans to promote continuous improvement.
  • Developed team communications and information for meetings.
  • Successfully maintain clean, valid driver's license and access to reliable transportation.
  • Managed team of 6 employees, overseeing hiring, training, and professional growth of employees.
  • Participated in team-building activities to enhance working relationships.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Adhered to social distancing protocols and wore mask or face shield.
  • Drove operational improvements which resulted in savings and improved profit margins.
  • Carried out day-day-day duties accurately and efficiently.
  • Resolved problems, improved operations and provided exceptional service.
  • Maintained energy and enthusiasm in fast-paced environment.
  • Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.
  • Developed and maintained courteous and effective working relationships.
  • Prepared a variety of different written communications, reports and documents to ensure smooth operations.
  • Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
  • Served customers and followed outlined steps of service.
  • Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
  • Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.

Senior Credit Officer

SAMIC Plc (Nong Hyup Finance)
Kampong Thom Province
11.2013 - 12.2014
  • Recommended approval or disapproval of commercial, real estate or credit loans.
  • Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
  • Obtained and interpreted financial statements to assist in credit limit reviews.
  • Devised collection recovery strategies to resolve customer issues and delinquent cases.
  • Reviewed and verified income, credit reports and employment histories for each borrower.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Organized and finalized loan applications for underwriter review.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Adhered to banking standards and government lending guidelines for loan services.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Checked appraisals, title information and insurance documents for each property.
  • Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
  • Performed credit reviews on corporations to assess financial conditions.
  • Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
  • Improved understanding of financial statements, which helped in assessing risk.
  • Complied with internal controls and government regulations.
  • Made decisions and recommendations about extending lines of credit.
  • Reviewed customer files on regular basis to make sure receivables were in sound condition.
  • Conducted presentations to upper management and executive teams for loan recommendations.
  • Minimized accounts receivable collections and reconciled customer billings and statements.

Credit Officer

SAMIC Plc (Nong Hyup Finance)
Phnom Penh
03.2010 - 11.2013
  • Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
  • Recommended approval or disapproval of commercial, real estate or credit loans.
  • Adhered to banking standards and government lending guidelines for loan services.
  • Checked appraisals, title information and insurance documents for each property.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Obtained and interpreted financial statements to assist in credit limit reviews.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Organized and finalized loan applications for underwriter review.
  • Reviewed and verified income, credit reports and employment histories for each borrower.
  • Optimized credit approval and collection processes, improving operational efficiencies by over [Number]%.
  • Managed account data and verified information with clients, past creditors and other involved parties.
  • Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
  • Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
  • Referred delinquent accounts to collections department or outside resources.
  • Collaborated with management to evaluate credit strategies and develop improvements.
  • Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
  • Worked with clients to define and implement terms for approved credit requests.
  • Contacted clients about verifying account information and updated services, answered questions and resolved concerns to uphold exceptional customer service standards and promote brand loyalty.
  • Monitored client abilities and account information to determine appropriate credit approval decisions.
  • Motivated and encouraged staff to enhance productivity and meet demanding internal and customer targets.
  • Attended ongoing professional training to facilitate accurate and productive credit management.
  • Kept records of customers' charges and payments.
  • Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
  • Updated client accounts with new information and verified data for informed credit approvals.
  • Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Monitored accounts for signs of fraud and non-payment issues.
  • Verified application and account details to accurately asses credit and financial risks of potential clients.
  • Prepared reports of findings and recommendations.
  • Devised collection recovery strategies to resolve customer issues and delinquent cases.
  • Made decisions and recommendations about extending lines of credit.
  • Reviewed customer files on regular basis to make sure receivables were in sound condition.
  • Performed credit reviews on corporations to assess financial conditions.
  • Conducted presentations to upper management and executive teams for loan recommendations.
  • Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
  • Improved understanding of financial statements, which helped in assessing risk.
  • Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
  • Complied with internal controls and government regulations.
  • Minimized accounts receivable collections and reconciled customer billings and statements.

Education

BBA - Banking And Finance

Human Recourses University
Phnom Penh
11.2011

Skills

  • Cost Data Analysis
  • Compliance Assessment
  • Customer Service
  • Advanced Mathematics
  • Risk Assessment
  • Sales Support
  • Team Building Leadership
  • Time Management
  • Loan Processing

Timeline

Relationship Manager

Shinhan Bank
09.2021 - Current

Relationship Manager-SME

SBI LY HOUR Bank
03.2020 - 09.2021

Micro Business Loan Officer

ABA Bank
03.2019 - 03.2020

District Branch Manager

SAMIC Plc (Nong Hyup Finance)
01.2015 - 09.2016

Senior Credit Officer

SAMIC Plc (Nong Hyup Finance)
11.2013 - 12.2014

Credit Officer

SAMIC Plc (Nong Hyup Finance)
03.2010 - 11.2013

BBA - Banking And Finance

Human Recourses University

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Chhon Thoeurn