Summary
Overview
Work History
Education
Skills
Languages
Certification
Timeline
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Heng Sophan

Heng Sophan

Phnom Penh,Cambodia

Summary

Thorough banking professional knowledgeable about bank products, processes and regulations. Confident and organised in helping consumers navigate sometimes-complex systems to achieve financial goals and boost bank profitability. History completing impeccable work balancing institutional and consumer needs.

Talented finance professional with proven expertise in loan and credit management. Diligent in research and assessment for minimised client and business risk. Meticulous in maintaining accurate, up-to-date records.

Loyal employee with solid understanding of training and mentoring employees. Dedicated team player, proactive and hands-on in task completion.

Energetic employee well-versed in strong communication and organisation skills. Seeks solutions to problems and applies extensive analytical knowledge to findings. Adept at multi-tasking, leading group discussions and managing projects.

Resourceful employee with outstanding knowledge to develop and maintain healthy customer pipeline. Consistently works to attract new business opportunities. Talent in administrative oversight, recruitment processes and customer service improvements.

Takes on challenging new role harnessing interpersonal skills, collaboration and problem-solving. Driven to deliver high-quality service and consistent results.

Committed manager with exceptional leadership, organisational skills and communication abilities leads high-performing cross-functional teams. Leads projects, company operations and business growth.

Overview

11
11
years of professional experience
2
2
Certifications

Work History

Senior credit analyst

Canadia Bank
Phnom Penh , Cambodia
05.2021 - Current
  • Reviewed and analysed business's historical performances for more prudent lending practices.
  • Streamlined workflow processes, improved efficiency in operations.
  • Assessed potential risks associated with new business proposals for secure investments.
  • Improved credit risk management by implementing robust analytical techniques.
  • Provided strategic recommendations based on market trends and economic forecasts.
  • Created comprehensive reports, enhanced decision-making process.
  • Conducted detailed financial analysis for accurate credit assessment.
  • Analysed client's financial status for informed lending decisions.
  • Interviewed applicants to gather history, income and information.
  • Managed business credit reports using relevant research, investigation methods and data to provide evidence for recommendations.
  • Summarised and presented results and recommendations from analysis to continue progression of business.

Branch manager

Funan Microfinance
Baray, Cambodia
04.2019 - 04.2021
  • Optimised financial procedures for improved fiscal management.
  • Led team meetings to foster communication and collaboration.
  • Ensured branch met all regulatory requirements for safe operation.
  • Conducted regular performance reviews for continuous employee development.
  • Developed and implemented strategies for increased customer satisfaction.
  • Improved branch productivity by implementing efficient work schedules.
  • Managed daily operations to ensure smooth running of the branch.
  • Provided excellent customer service, securing client loyalty.
  • Created and led successful business culture focused on performance.
  • Monitored operations to assess and highlight results.
  • Reviewed reports from subordinate management to identify areas of opportunity.
  • Developed key operational initiatives to drive and maintain substantial business growth.
  • Partnered with management team to optimise operations and reduce costs.

Chief Credit officer

Cambodia Post Bank
Steung Sen, Cambodia
03.2017 - 02.2021
  • Collaborated with sales team for increased revenue generation.
  • Maintained up-to-date knowledge of financial regulations for effective compliance management.
  • Conducted regular audits to ensure compliance with industry regulations.
  • Managed high-value client portfolio for effective relationship building.
  • Participated in departmental strategy meetings, contributing valuable insights into credit operations.
  • Implemented new lending criteria, enhancing portfolio quality.
  • Built strong relationships with clients for improved customer loyalty.
  • Provided training on credit policies to junior staff members, improving team performance.
  • Developed risk management policies by conducting thorough credit analysis.
  • Assessed market trends to anticipate potential risks.
  • Enhanced internal lending procedures with advanced risk assessment strategies.
  • Resolved escalated customer issues with professional communication skills.

Credit officer

Cambodia Post Bank
Steung Sen, Cambodia
10.2014 - 04.2017
  • Forged strong relationships with clients, promoting loyalty and repeat business.
  • Achieved efficient decision-making process by analysing various financial reports.
  • Acted as point of contact for all matters relating to collections and credit management.
  • Controlled credit risk by analysing portfolio and identifying potential issues impacting client security.
  • Streamlined loan application process to enhance customer experience.
  • Improved efficiency of cash collection activities and reduced bad debt exposure.
  • Analysed customer history and financial reports to assess risk and creditworthiness.
  • Provided customised credit solutions for families and small business owners, leading to increase in loan portfolios.

Education

Bachelor Banking and Financing - Banking and Financing

Ankor City Institute
Steung Sen
11.2010

Associate Degree in Banking - Banking and Financing

Center for Banking Studies
Phnom Penh
11.2007

Skills

Financial statement analysis

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Languages

English
Advanced (C1)
A1

Certification

Phnom Penh

Timeline

Phnom Penh

05-2025

Senior credit analyst

Canadia Bank
05.2021 - Current

Branch manager

Funan Microfinance
04.2019 - 04.2021

Chief Credit officer

Cambodia Post Bank
03.2017 - 02.2021

Credit officer

Cambodia Post Bank
10.2014 - 04.2017

Phone Penh

09-2009

Bachelor Banking and Financing - Banking and Financing

Ankor City Institute

Associate Degree in Banking - Banking and Financing

Center for Banking Studies
Heng Sophan