NAT Phaneat

As a Branch Manager, I led my team to achieve outstanding business growth and operational excellence. By implementing targeted marketing campaigns, enhancing customer service quality, and strengthening sales strategies, I successfully:

• Increased Loan Portfolio Growth by expanding retail and SME lending, surpassing annual loan targets by +25%.
• Boosted Savings Growth through tailored deposit products and relationship banking, achieving a 20% increase in total deposits.
• Grew Customer Base by launching community outreach programs and referral incentives, resulting in +30% new customer acquisition.
• Expanded Account Growth by introducing bundled banking services, driving a 25% increase in active accounts.
• Reduced PAR30+ (Portfolio at Risk over 30 days) by implementing stricter credit monitoring and proactive collections, lowering delinquency rate from 5% to 2% within 12 months.

This success was achieved through strong leadership, team motivation, data-driven decision-making, and a deep commitment to customer trust.

I served as Branch Manager at Phillip Bank Plc, where I was honored as one of the Top Branch Managers for outstanding performance in driving business growth and operational excellence.

• Loan growth – consistently exceeded loan portfolio targets through strategic sales and relationship management.
• Account Growth – Increased active accounts by implementing targeted customer acquisition campaigns.
• Customer Growth – Expanded the branch’s customer base through community engagement and referral programs.
• Reduced PAR30+ – Lowered portfolio at risk over 30 days through strict credit monitoring, early intervention, and proactive collections.

My leadership and strategic approach ensured sustainable growth, high customer satisfaction, and a strong compliance record, positioning the branch among the top performers in the network.

As an Internal Auditor, I successfully managed my yearly audit plan, balancing both quality and quantity, while ensuring all assignments were completed within the agreed timeframes.

• Provided valuable insights to management by presenting clear and concise audit findings, contributing to informed decision-making processes.
• Assisted in the preparation of audit reports that clearly communicated findings and recommendations to key stakeholders.
• Supported management in developing action plans to address identified issues, promoting timely resolution of audit findings.
• Reviewed and identified risks, analyzed controls and tested compliance.
• Evaluated compliance with regulatory requirements, mitigating potential risks and protecting organizational reputation.
• Guided departments in developing remediation plans based on audit findings and recommendations.
• Developed strong working relationships with external auditors, facilitating efficient communication during annual audits.
• Evaluated company's policies to determine how well standards adhered to best practices.
• Assisted in the development of company policies and procedures, promoting a strong internal control environment.
• Produced audit reports.
• Documented recommendations to improve internal controls.
• Identified and reported audit issues.
• Performed internal audits of financial and departmental operations, developing risk assessments and conducting process walkthroughs for compliance with documented processes.
• Participated in special projects as requested by senior leadership, providing subject matter expertise on internal controls and risk management practices.
• Investigated discrepancies discovered during auditing process.

• Assisted in the development of new loan products tailored to meet specific market demands and client needs.
• Coordinated efforts between sales, underwriting, processing, closing, and servicing departments to ensure seamless transactions for customers.
• Continuously monitored industry trends to stay current on best practices related to lending regulations, risk management, and technology advancements.
• Oversaw the implementation of quality control measures aimed at reducing errors in loan origination processes.
• Enhanced team productivity by providing ongoing coaching, training, and performance feedback to staff members.
• Collaborated with underwriters to evaluate loan applications and determine creditworthiness of applicants.
• Increased loan processing efficiency by implementing new software and streamlining workflows.
• Improved customer satisfaction ratings by implementing a streamlined complaint resolution process.

• Promote and sell the financial products and service to clients.
• Help customer by answering questions and responding to any requests.
• Solicits potential and existing clients in accordance with the guidelines, policies, and procedures.
• 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.
• Set up the plan with CCO, and BM for loan disbursement projection as monthly, quarterly and annually basis.
• Adhere to high ethical standards, and comply with all regulations/applicable laws.
• Network to improve the presence and reputation of the branch and company.
• 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 with 100% and on time follow up.
• Performs other various duties as assigned.

• Developed key relationships with clients, providing exceptional service and fostering long-term partnerships.
• Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Organized and finalized loan applications for underwriter review.
• Implemented robust monitoring systems to track performance metrics of existing loans, identifying areas requiring attention or intervention.

• Assisted admin manager in planning research and development.
• Implemented and monitored for manager such as recruitment discipline, grievance, training, compensation and benefits.
• Assisted admin manager to control departmental expenditure within agreed budgets.
• Monitored measure and reported on manager issues opportunities, achievement to manager.
• Contributed proactively and initiatively with the manager to solve, developed the departmental issues such as union, high employee turnover, security and so on.
• Directly implemented, monitor and focus on whole recruitment and selection for all position in the organization.

• Assisted manager to control and monitor all staffs and employees monitored and recruited the new applicants.
• Reported staffs and student’s situation to manager to handle problems occurred in campus.
• Prepared monthly test, midterm test, and final test to protest students’ ability.
• Mentioned scoring sheet and transcript record.
• Announced staffs and students about holiday whited-day by letters and speeches.
• Developed student and staff about disciplinary actions.