Lyna SOK
KampongCham City
Summary
Motivated bank manager with a passion for delivering exceptional customer service and surpassing expectations. Experienced in service marketing and credit offerings, inspires staff loyalty through strong leadership and effective communication skills. Skilled in coordinating team and financial activities as a branch manager. Friendly and adaptable professional with remarkable leadership and program management skills. Known for being organized and dependable, successful at managing multiple priorities with a positive attitude. Always willing to take on added responsibilities to meet team goals.
Overview
16
16
years of professional experience
Work History
Branch Manager
Bamboo Finance PLC
12.2024 - Current
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Drove cross-selling efforts by collaborating with various departments within the organization to maximize revenues from existing clients.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Examined customer loan applications for loan approvals and denials.
- Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
- Monitored market trends to identify new business opportunities and capitalize on potential growth areas within the community or region served.
- Maintained friendly and professional customer interactions.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
- Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
- Complied with regulatory guidelines and requirements.
- Reduced employee turnover by fostering a positive work environment and offering competitive compensation packages.
Regional Manager
Phillip Bank
03.2021 - 09.2024
- Developed and executed successful business plans that resulted in improved market share and profitability within the region.
- Established and maintained operational standards for 8 locations.
- Collaborated with executive leadership to establish long-term objectives, drive growth initiatives, and align regional efforts with corporate goals.
- Implemented cost-cutting measures across the region that led to significant savings without compromising service quality or employee satisfaction.
- Secured key accounts with customized sales presentations showcasing unique value propositions tailored to prospective clients'' needs.
- Led cross-functional teams to achieve project deliverables on time and within budget, resulting in improved overall performance.
- Facilitated seamless integration of new acquisitions into existing operations while maintaining positive company culture and high levels of morale among employees.
- Enhanced team performance by providing regular coaching, training, and performance feedback to staff members.
- Boosted regional sales by implementing targeted marketing strategies and fostering strong client relationships.
- Motivated regional staff to achieve ambitious sales targets by establishing a competitive incentive structure and celebrating team accomplishments.
- Promoted a culture of continuous improvement through ongoing process reviews, employee engagement initiatives, and open channels of communication.
- Mentored and developed high-potential employees for leadership roles through individualized career development plans and opportunities for growth.
- Supervised various locations, enforcing high-quality standards of operation.
- Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
- Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
- Trained personnel in equipment maintenance and enforced participation in exercises focused on developing key skills.
Branch Manager
Phillip Bank
07.2019 - 03.2021
- Direct all operational aspects including distribution operations, customer service, human resources, administration and sales at branch
- Assess the loan application submitted by COs, and CCOs to ensure the enough data, information, and relevant documents/references before approving under authorize given or recommend to Credit Committee for approval or reject
- Review and implement target planning of Credit & Branch Supervision Department and relevant departments effectively and in a responsible manner
- Monitor and follow up customer repayment reports daily
- In cases where there is a customer later repayment, it is necessary to arrange a credit officer responsible for accessing the client's residential or business premises so that they can study and solve the problem in a timely manner, avoiding the debt being a serious debt
- Performs other various duties as assigned
Senior Customer Consultant
Prince Bank
12.2018 - 07.2019
- Promote and sell the financial products and service to clients
- Collect client information, prepare and submit loan documents for assessment
- Analyze and interpret financial statements of borrower's business, cash flow, and family status in order to access the repayment capacity and financial soundness of the borrowers
- Closely monitor and follow up the borrowers on their business change or any problems then report to direct supervisor for taking early action on time
- Ensure the loan repayment on time follow up
- Performs other various duties as assigned by manager
Credit Product Development Officer
Kredit MicrofinanceHQ
05.2018 - 12.2018
- Led training sessions on development strategies for board members and other key stakeholders involved in fundraising efforts.
- Partnered with business teams and IT personnel to align project goals with business strategy and define project milestones.
- Collaborated with cross-functional teams to align fundraising efforts with organizational goals and objectives.
- Created strategic and tactical sales initiatives for forward planning to meet key objectives.
Chief Credit Officer
Kredit Microfinance
11.2017 - 05.2018
- Take the lead in promoting Company's products and services to potential clients and local authorities
- Study to understand policy, procedure, and guidelines related to providing and collecting loans, and guide credit officer regularly
- Review all loan documents which a Loan officer has made in order to ensure good, clear, accurate, and adequate implementation of the Credit policy and guidelines of the higher management before submitting them to higher management for approval
- Monitor and follow up customer repayment reports daily
- In cases where there is a customer later repayment, it is necessary to arrange a credit officer responsible for accessing the client's residential or business premises so that they can study and solve the problem in a timely manner, avoiding the debt being a serious debt
Regional Admin
Kredit Microfinance
08.2015 - 11.2017
- Task for help HR for recruitment staff
- Set targets in the region (university or church) where applicants can be collected or contacted for application at KREDIT
- Make a purchasing request of office supply
- Count office equipment at each branch against a list from the Admin Department
- Skilled at working independently and collaboratively in a team environment.
- Proven ability to learn quickly and adapt to new situations.
- Worked well in a team setting, providing support and guidance.
- Managed time efficiently in order to complete all tasks within deadlines.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Proved successful working within tight deadlines and a fast-paced environment.
Chief Credit Officer
Kredit Microfinance
09.2014 - 08.2015
- Take the lead in promoting Company's products and services to potential clients and local authorities
- Study to understand policy, procedure, and guidelines related to providing and collecting loans, and guide credit officer regularly
- Review all loan documents which a Loan officer has made in order to ensure good, clear, accurate, and adequate implementation of the Credit policy and guidelines of the higher management before submitting them to higher management for approval
- Monitor and follow up customer repayment reports daily
- In cases where there is a customer later repayment, it is necessary to arrange a credit officer responsible for accessing the client's residential or business premises so that they can study and solve the problem in a timely manner, avoiding the debt being a serious debt
Credit Officer
Kredit Microfinance
05.2009 - 09.2014
- Promote and sell the financial products and service to clients
- Collect client information, prepare and submit loan documents for assessment
- Analyze and interpret financial statements of borrower's business, cash flow, and family status in order to access the repayment capacity and financial soundness of the borrowers
- Conducts sit visit of secure collateral and valuate the collateral value by follow guideline
- Training and Educating the credit rule and policies strictly to borrowers before processing the loan documents
- Adhere to high ethical standards, and comply with all regulations/applicable laws
- Closely monitor and follow up the borrowers on their business change or any problems then report to direct supervisor for taking early action on time
- Ensure the loan repayment on time follow up
- Performs other various duties as assigned by manager
Security Guard
Kredit Microfinance
11.2008 - 05.2009
- Maintained a safe environment for staff and visitors through proactive surveillance and communication.
- Checked identification of persons entering and exiting facility to eliminate unauthorized visitors.
- Responded quickly to incidents and assessed active situations for security concerns.
- Responded quickly to emergency situations to assess and deflect issues.
- Worked independently and collaboratively to resolve urgent issues to protect lives and property.
- Secured premises and personnel by patrolling property and monitoring surveillance equipment.
- Provided excellent customer service to clients while maintaining vigilance in addressing security concerns or issues that arose onsite.
- Oversaw daily monitoring and patrolled buildings, grounds, and work sites.
Education
BBA - Accounting
Western University
Kampong Cham, Cambodia01-2010
Skills
- Strong team-builder
- Team player
- Financial services
- Excellent time management skills
Timeline
Branch Manager
Bamboo Finance PLC
12.2024 - Current
Regional Manager
Phillip Bank
03.2021 - 09.2024
Branch Manager
Phillip Bank
07.2019 - 03.2021
Senior Customer Consultant
Prince Bank
12.2018 - 07.2019
Credit Product Development Officer
Kredit MicrofinanceHQ
05.2018 - 12.2018
Chief Credit Officer
Kredit Microfinance
11.2017 - 05.2018
Regional Admin
Kredit Microfinance
08.2015 - 11.2017
Chief Credit Officer
Kredit Microfinance
09.2014 - 08.2015
Credit Officer
Kredit Microfinance
05.2009 - 09.2014
Security Guard
Kredit Microfinance
11.2008 - 05.2009
BBA - Accounting
Western University
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