Mar Keomony
Sereisophorn,Cambodia
Summary
Results-driven professional with extensive experience in banking, currently serving as Deputy Provincial Branch Manager at ABA Bank. Previously promoted to Branch Manager at WB Finance, demonstrating strong leadership and operational skills. Holds a Bachelor’s degree in Business Administration, specialising in Accounting, complemented by various competency development trainings. Equipped with excellent interpersonal skills, integrity, and a strong sense of responsibility.
Overview
19
19
years of professional experience
Work History
Deputy Provincial Branch Manager
ABA Bank
05.2019 - Current
- Ensuring staffs in at the branch level meet/exceed customer expectations through superior customer service, including achievement of serving time targets for both telling and sales areas.
- Contributing to the development of sound profitable business by creating effective referral networks, including internal business relationship, and other local marketing activities.
- Driving the sales and service team to marketing products to increase the public awareness of the branch, products and services to increase public’s trust to the branch.
- Ensuring key accounts of the branch are well serviced; immediately report to direct manager in case any potential loss of key account is observed.
- Ensuring that all policies and procedures are followed by staff members and forms are ready-to-service and put in order.
- Ensuring all staff have a good appearance and are in uniform daily. Further, ensuring that the service standards of ABA Bank have been fully followed by branch’s staffs.
- Providing induction training for newcomer, regular feedback, encouragement and maintain open communication at workplace.
- Arranging staff training needs by working with the relevant Departments and ensuring /encouraging staff to attend.
- Agree challenging targets for yourself with direct manager. Regularly evaluate these targets – when results fall short of targets, understand why and agree what to do differently to improve performance.
- Keep a close eye on your local competitors – what they do and how they perform. And, inform to direct manager.
- Keep up today with ABA’s products and marketing campaigns to ensure superior services provided to clients.
Micro Business Loan Supervisor
ABA Bank
08.2018 - 05.2019
- Exercise direct supervision over the Micro Business Loan Officers and loans solicited by Micro Business Loan Officers.
- Responsible for the on-the-job coaching and development of loan assessment skills of Micro Business Loan Officers.
- Reviewed loan applications brought by Micro Business Loan Officers.
- Present credit case to competent authority for further approval of the loan.
- Conducts daily monitoring of loan accounts and settlements.
- Assisted Micro Business Loan Officers in managing challenging collection cases to improve recovery rates.
- Responsible for the attainment of performance target of the unit.
- Take the lead in promoting the product particularly in conducting the client orientation.
- Review MIS Reports on a regular basis.
- Coordinate with Head Office Recovery and Legal team to recover the default loan if any.
Branch Manager
WB Finance (Former VisionFund Cambodia)
05.2016 - 08.2018
- The purpose of this position is to provide leadership and overall direction and management of the district branch office. Ensure the optimum loan and service quality, client satisfaction, achievement of the district branch operational plans and targets, financial and social performance key indicators achievement, and synergized integration and partnership with partners like World Vision Cambodia, in order to achieve core branch business objectives.
- Preparing annual branch plan of action, financial projection and revision.
- Preparing monthly plan of action.
- Prepare monthly area expansion for loan growth.
- Prepare monthly recovery plan & delinquency management plan.
- Prepare monthly saving growth plan.
- Consolidate and review rolling cash forecasting.
- Internal control and follow up plan.
- Coordinate to set up any contingent plan.
- Take lead in product promotion campaign especially credit and saving products.
- Sale execution for loan (Follow up the area expansion and penetration plan with CSOs).
- Sale execution for saving (Follow up the concerned staff about saver meeting and networking).
- Follow up the net growth vs growth projection with CSOs (loan and saving product).
- Conduct strictly loan assessment and loan quality check.
- To spot check/attend loan disbursement meeting.
- To spot check/attend loan collection meeting.
- Ensuring loans are followed up on time with sense of good customer service and appropriate documentation.
- Ensuring proper loan delinquency management such as timely issuing notification and demand letters, DIMS logbook completing and posting into system, setting specific action plan for loan recovery.
- Lead and coordinate with CSOs to function credit committee and loan arrear solving committee.
- Ensuring all transactions occurred at Community Bank is completed with creativeness and timely updated CBMC are properly trained and coached by CSO.
- Ensuring collateral management system is properly implemented.
- Ensuring saving process (KYC, specimen management, contract management) proceeds with quality, efficiency, and customer service is properly managed.
- Ensuring micro health insurance product is properly proceeded and managed.
- Ensuring the transfer service is properly implemented and managed.
- Ensuring the actual net cash increase/decrease is consistent with the projected net cash increase/decrease in rolling cash.
- Ensuring the effectiveness of intraday cash management.
- Ensuring deposit and withdrawal transactions are properly implemented.
- Ensuring vault in branch office is properly managed.
- Properly manage Till function.
- Ensuring cash transportation to and from field must compliance with cash security guidelines.
- Ensure all the new/revised policies, procedures, guidelines and forms are abided and implemented in the branch.
- Ensure the implement audits’, Risk and Quality Assurance Officer’s recommendations/suggestions to improve overall branch performances.
- Implement fraud prevention guideline such as CBMC and IL call, reviewing task rotation report and conduct ocular visit to loan collection, loan disbursement meeting and CBMCs.
- Ensuring the completeness and accurately of loan, saving and other documents.
- All transactions are timely and accurately prepared, reviewed, created and posted into T24 system.
- Review and approve loan disbursement and collection voucher.
- Monitor loan disbursed and collected settlement process.
- All collaterals are timely posted and keep in vault.
- Ensure that all financial supporting document properly prepared and reviewed before journalizing.
- Ensure that monthly financial report timely prepared.
- Ensure the effective filing system in the district branch.
- Ensuring all the financial services are delivered in quick service.
- Ensuring customer service guideline is properly implemented.
- Implement the Client Protection Principle.
- Branch office is properly maintenance and safeguard.
- Ensuring main power is available and trained.
- Enhance staff competency (skillful staff lead to perform task faster with quality and accuracy).
- Conduct refresher training/orientation to CSO on frequently used policies/area not gone on well by cooperate with PBM/Training Officers.
- Regular monitor and provide constructive feedback, coaching, mentoring, to help the staff improve their capacity and performance.
- Reinforce spiritual nurture of the branch staff and help facilitate a supportive environment for the spiritual formation of staff, the internalization of VisionFund Cambodia’s Vision, Mission and Core Values.
- Provide leadership, management and day-to-day behavior and attitudes, which exemplify, and encourage others to follow, VisionFund Cambodia’s Mission, Core Values and Christian identity.
- Motivate and support staff to perform their work successfully.
- Ensure that all Community Bank Management Coordinator (CBMC) are properly trained and functioned.
- Prepare (weekly/or monthly) District Branch, consolidate and analyze regularly CSO’s productivity and monitoring reports, and take appropriate actions to supports the staff according in light of the reports.
- Monitor the progress of implementation of RQO and internal audit finding.
- Monitor the progress of implementation of all action points of branch management team meeting.
- Observing the competition environment by act as a good marketing intelligence.
Logistic and Admin Assistant
Life With Dignity organization (LWD)
10.2014 - 05.2016
- Operate procurements based on approved plans and requests and ensure they run smoothly within LWD procurement procedures/manual and policies.
- Form procurement/quotation committee and work with procurement committee to process the procurement upon the request or proposal from program staffs with approval from the Finance and Admin Officer (FAO) and the APM (Area Program Manager).
- Assist procurement committee to prepare the documents needed to analyse according to the requirements of LWD’s procurement policy and those policies of specific donors – proposal, specifications, cost standards, etc.
- Prepare Purchase Order (PO) according to approved quotation and donor policies.
- Assist in managing quotation documents and proposals for the most appropriate options within LWD policies.
- Provide guidance to staff on the compliance of procurement policies.
- Managing the delivery of logistic supplies as requested from the field staff.
- Work with the concerns of the CEOs and procurement committee to make sure all supplies and equipment is delivered at the deadline with quantity and quality assurance.
- Control the quality of materials in close cooperation and coordination with field staff to provide useful feedback to suppliers.
- Support the drivers in delivering all supplies and/or equipment to target villages with proper documentation.
- Make sure that CEOs/procurement committee compiles all procurement documents with their signatures and sends all such documents back through the driver.
Credit Officer
Angkor Mikroheranhvatho (Kampuchea) Co., Ltd
02.2007 - 07.2014
- Managing loans and clients.
- Promote and sell all AMK products such as loans, savings, money transfers, etc, to target clients.
- Manage client and loan information.
- Ensure that all the policies are implemented and adhered to.
- Solve the problems in the village banks with loan delinquencies with VBP.
- Oversaw loan management processes and maintained client records.
- Training and mentoring business management, sales, and marketing to small and medium sized businesses.
- Organised and maintained accurate client and loan information records.
- Build close relationships and communicate with the identified community partner and village chief to implement plans.
- Disseminate AMK product information.
- Prepare individual work plans and progress reports submitted to area manager.
- AMK is a microfinance institution that provides all products – loans, savings, and money transfers to poor clients in rural areas of Cambodia to improve their livelihoods through the delivery of appropriate and viable micro financing services.
Education
master’s degree - general management
University of Management and Economics
Banteay Meanchey, Cambodia01-2025
bachelor’s degree - accounting
University of Management and Economics
Banteay Meanchey, Cambodia01-2014
Skills
- T24 data management system
- Data Visualisation
- T24 management
- Digital Banking Solutions
- Oracle
- QuickBooks accounting
- Technical Support
- Microsoft Office: Word
- PowerPoint
- Internet & Email
- MS Outlook Express
- Branch operations
- Loan assessment
- Risk management
- Performance evaluation
- Leadership development
- Team building
- Performance evaluation
Languages
Khmer
English
Interests
- Listening to English podcast
- Reading English and management books
- Exercise
Custom
- 2016-08-27, Risk Management with VFC
- 2015-11-03, Good Governance with NCDD
- 2015-09-14, DCA procurement manual at LWD Head Office
- 2013-01-01, IT Basic 2010 (Computer Repairing and Maintenance)
Timeline
Deputy Provincial Branch Manager
ABA Bank
05.2019 - Current
Micro Business Loan Supervisor
ABA Bank
08.2018 - 05.2019
Branch Manager
WB Finance (Former VisionFund Cambodia)
05.2016 - 08.2018
Logistic and Admin Assistant
Life With Dignity organization (LWD)
10.2014 - 05.2016
Credit Officer
Angkor Mikroheranhvatho (Kampuchea) Co., Ltd
02.2007 - 07.2014
master’s degree - general management
University of Management and Economics
bachelor’s degree - accounting
University of Management and Economics