
Timeline
About me
Manager, Commercial Credit Analysis at Sathaphana Bank
Education

Chiangmai rajabhat university
2008 - 2012Bachelor of business administration (bba) business english bachelorActivities and Societies: Football team player Team player of Scholarship student and foreigner exchange student.
Experience

Cambodia chamber of commerce
May 2004 - May 2007Assistant managerKey responsibility:• Improve the operational systems, processes and policies in support of organizations mission -specifically, support better management reporting, information flow and management, business process and organizational planning. • Management of agency budget in coordination with the Executive Director.• Development of individual program budgets.• Regular meetings with Executive Director around fiscal planning.• Supervise and coach office manager on a weekly basis.• Organization of fiscal documents.• Disbursement of checks for agency expenses.• Development work relates to the ongoing, long-term improvement of employee’s skills and teach English language to employee.• Advise the main point’s customers to all many companies in Cambodia.• Develop new business for SMEs, explain the benefits of supplements and organic product to potential new customers.• Increase putting barcodes on the products and GDPs and solve the businessman’s problems. Show less

Rajabhat chiang rai university
Jan 2008 - Dec 2011Office assistant+Principal Accountability: -Receive, direct and relay telephone messages and fax messages-Pick up and deliver the mail-Open and date stamp all general correspondence-Maintain the general filing system and file all correspondence-Assist in the planning and preparation of meetings, conferences and telephone calls-Make preparations for Council and committee meetings-Maintain an adequate inventory of office supplies-Respond to public inquiries-Provide word-processing and secretarial support-Develop and maintain a current and accurate filing system-Monitor the use of supplies and equipment-Coordinate the repair and maintenance of office equipment-Answer all incoming calls and handle caller’s inquiries whenever possible-Re-direct calls as appropriate and take adequate messages when required-Greet, assist and/or direct students, visitors and the general public-Assist the Executive Director and other staff as requested-Provide administrative services for the Executive Director-Assist the University’s activities Show less

Cogetel limited (online)
Sept 2013 - Sept 2014Sale adviser+Principal Accountability: • Preserving customer service standards.• Handling client inquiries.• Supporting team members.• Representing the company's product and services package.• Attending meetings and Training course.• Achieving set targets.• Databases Report and Administrative stuff.• Complete mission by cool call and site visit.• Response email and the phone call or walk-in customer.

Maybank
Dec 2014 - Apr 2020+Principal Accountability: -Marketing and processing of consumer and commercial loans in achieving the branch financial targets in loans and advances and assist in internal controls in credit are adequate and in compliance to the Bank’s SPIs/Bank Negara Malaysia and National Bank of Cambodia’s policies to ensure smooth work flow.-Achieve set goals and financial targets for loans and advances.-Ensure prompt loan repayment and interest serving.-Submit marketing call reports promptly.-Timely issuance of Letter of Offer and acceptance by customers.-Ensure loan applications are processed within the Bank’s guidelines.-Monitor utilization of credit facilities within sanctioned limits and in compliance with condition of approval imposed.-Renew the application for Accommodation (AAs) in timely manner.-Ensure the department’s housekeeping, audit rating are satisfactory through implementation of proper system/controls and Bank’s requirement are complied with.-Ensure timely submission of returns/reports to Head Office and National Bank of Cambodia.-Credit Risk Analysis and Assessment. Show less +Principal Accountability: •processing cheque, cash and direct debit payments and withdrawals.•setting up and maintaining customers’ accounts.•dealing with enquiries.•promoting and selling financial products and services to customers (if I have approval to do this).•using a computerised system to update account details.•general administration tasks such as maintaining records, opening post and sending letters to customers.•operating UK and overseas currency tills.•helping customers with loan and mortgage applications. Show less
Businesses Relationship Executive
Aug 2015 - Apr 2020Customer Advisory Executive
Dec 2014 - Aug 2015

Kookmin bank
Jul 2020 - Jul 2021Assistant managerKey responsibility:-Set up loan marketing strategy to fulfil the target.-Analyze the current market and industry overall.-Develop loan sale skills. -Keep good relationship with customers.-Keep good knowledge of loan policy and products.-Marketing in compliance with loan policy.-Resolving customer problems and complaint.-Loan extension and review.-Other related duties as assigned by management.

Sathapana bank
Jul 2021 - now*Evaluate and provide independent review of SME and Commercial loan applications from branch/Business Team and make recommendations for Management or CC’s approval.*Evaluate and make recommendation of Credit Review for commercial loan and seek Management approval. *Provide support, guidance and training to branch/ Business Team regarding loan assessment and process as required.*Conduct on-site visit at application’s business premises/ property charged if required to ensure accuracy information provided by business team. *Approve of Retail/ SME loan application at designated minute.*Arrange Credit Committee meeting and take the meeting minute.*Keep proper record of each case and prepare required reports.*Develop and maintain friendly, open, reciprocal working relationship and communication channel with all SATHAPANA BANK team members. *Other tasks as required by the management. Show less Responsibilities: - Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligenceProvide recommendations tied to analysis and assessment of credit risk- Present analysis, findings, and recommendations to managers, especially findings that involve a borrower’s ability to repay- Keep up to date with the company’s lending protocolsReconcile credit files and identify discrepancies and variances- Develop and prepare spreadsheets and models to support analysis of new and existing credit applications Show less
Manager, Commercial Credit Analysis and Approval
Apr 2024 - nowSr, Commercial Credit Analysis
Jan 2022 - Apr 2024Business Banking Relationship Manager (Team Lead)
Jul 2021 - Dec 2021
Licenses & Certifications
- View certificate
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Fundamentals of data analysis in excel
Corporate finance institute® (cfi)Oct 2024
Languages
- thThai, english and khmer
- baBasic chinese
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