Summary
Overview
Work History
Education
Skills
Timeline
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Toseth Hong

CEO
Phnom Penh

Summary

Resourceful Manager offering history of success coordinating and monitoring operations across various departments. Effective leader and problem-solver dedicated to streamlining operations to decrease costs and promote organizational efficiency. Highly committed with hardworking mentality to maintain quality of services and products.

Overview

8
8
years of professional experience

Work History

Jewelry Store Manager

Sovanny Diamond
01.2023 - Current
  • Established performance goals for employees and provided feedback on methods for reaching those milestones.
  • Maintained accurate financial records through diligent bookkeeping practices including monitoring daily cash flow transactions.
  • Assisted in organizing and overseeing assignments to drive operational excellence.
  • Organized in-store events for promotional purposes, attracting new clients and boosting overall revenue.

Credit Manager

Foreign Trade Bank Of Cambodia
01.2022 - 12.2022


  • Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
  • Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
  • Developed strong relationships with clients through professional communication and timely resolution of credit issues.
  • Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Negotiated settlements and payment terms with customers and delivered customized payment plans.

Senior Credit Officer

Foreign Trade Bank Of Cambodia
01.2020 - 12.2021
  • Adhered to banking standards and government lending guidelines for loan services.
  • Reduced delinquency rates with proactive account management, timely interventions, and tailored recovery solutions.
  • Drove process improvements in credit operations through streamlining workflows, automating tasks, and leveraging technology solutions.
  • Achieved operational efficiency targets by optimizing staffing levels based on workload analysis and capacity planning data insights.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Developed credit models to assist in the credit decisioning process.
  • Reviewed and verified income, credit reports and employment histories for each borrower.
  • Worked flexible hours across night, weekend, and holiday shifts.

Credit Officer

Foreign Trade Bank Of Cambodia
04.2016 - 12.2019
  • Monitored client abilities and account information to determine appropriate credit approval decisions.
  • Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
  • Organized and finalized loan applications for underwriter review.
  • Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
  • Checked appraisals, title information and insurance documents for each property.
  • Attended ongoing professional training to facilitate accurate and productive credit management.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.

Education

MBA - Global Business Management

Humber College
Toronto Ontario, Canada
04.2001 -

BBA - Business Management

School of Business And Law
London, England
04.2001 -

High School Diploma -

Zaman International School
Phnom Penh, Cambodia
04.2001 -

Skills

Adaptability and Flexibility

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Timeline

Jewelry Store Manager

Sovanny Diamond
01.2023 - Current

Credit Manager

Foreign Trade Bank Of Cambodia
01.2022 - 12.2022

Senior Credit Officer

Foreign Trade Bank Of Cambodia
01.2020 - 12.2021

Credit Officer

Foreign Trade Bank Of Cambodia
04.2016 - 12.2019

MBA - Global Business Management

Humber College
04.2001 -

BBA - Business Management

School of Business And Law
04.2001 -

High School Diploma -

Zaman International School
04.2001 -

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