• Organize regular meeting for daily operation of collection department • Allocate overdue customers to each field collector and phone collectors • Update collection result into system • Monitor/Improve collection activities to be in line with overdue status and procedure to minimize uncollectable account • Make sure the collection reports are produced timely • Make a schedule and effective action plan to improve operation according to KPI report implication • Conduct a training program for Field Collectors and Phone Collectors • Attend department meeting and make record • Develop Policy and Procedure, Banking system • Make action plan to reduce the NPL rate • Manage and Propose the Court / Litigation Case to legal department • Manage, improve on budget and actual expense related to overdue debts • Create the provision account for bad debt and NBC report • Handle the loan bad debt write-off and make schedule for implement • Manage the customer service (after disbursal) • Review & analyze overdue data and feedback to other Departments • Control asset repossessed in the warehouse and reselling • Do other tasks or overtime required by Japanese Management / Line Manager if needed.

Formulate the products strategies and road map to ensure these services will be aligned with company’s strategy and budget. Explore the business opportunity and enhance our product and process to meet the customer needs, wants, and aspirations. Establish high-level business concept and align with related stakeholder before seek for approval. Manage the product performance and analysis the performance compares with the competitors to ensure the banks stay competitive in the market. Lead team in developing the detail product policy, procedures, and guideline, process or workflows to smoothen the process as well complied with Cambodia Law and Regulations. To ensure the effectiveness of marketing communication of non-credit products to the market. Equip the product knowledge to related stakeholders especially sale force team. Supporting on developing the budget plan or sales projection to ensure the products generate the income for customers. Provide coaching, and support the subordinates to ensure they perform their jobs efficiently and effectively. Perform other tasks assigned by direct supervisor.

Lead in developing the new types of Credit Products, lead in enhancing the existing Credit Products. Be able to handle and manage the project based on project timeline. Lead in developing the detail guideline, methodology guide, and some relevant system guideline Lead subordinates to achieve the KPI/target to meet Hattha Bank strategic goals. Lead in initiative idea to conduct and analyze the market demand with research team which is aiming at developing the Credit Products to response to the market demand. Be more detail on the project management and able to properly manage project works from each respective member based on timeline set or approved by management. Strongly confident and able to collect and analyze data to support the initiative projects. Lead in enhancing or revising the existing products to response to the market changes and to keep these products being competitive and attractive in the market. Ongoing review product performance to identify product’s SWOT, and take appropriate reflection to ensure the effectiveness and control of product’s performance. Monitoring product performance and product life cycle. Lead, coach, and support subordinates to achieve KPI/target to meet the Hattha Bank strategic goals. Perform other tasks assigned by direct supervisor.

Prepare, review and process loan application as well as other financial products applications based on company’s procedure and workflow. Analyze customers’ business operation with rich knowledge on various business segment. Conduct site visit and verify on document provided by the customer ensuring. Is capable of reading and reviewing financial statement as per required. Check and analyze on the accuracy and completeness of data and information provided by the customer and related parties with professional skepticism. Up to date with applicable policy and procedure related to both credit and non-credit products. Provide technical support to Branch Sales Staff ensuring delivering of each product’s target. Monitor and manage loan/saving portfolio under self’s target. Monitor on loan quality and alert to management in case of any sign of deterioration. Work collaboratively with cross teams or other responsible department to ensure cross selling and referral channel is successfully completed in a timely manner. Maintain good relationship with customers, partners, and other stakeholders.

- គោរពយ៉ាងម៉ឺងម៉ាត់តាមទស្សនវិស័យ បេសកកម្ម គោលការណ៍ នីតិវិធី សេចក្តីណែនាំរបស់ ហ្វូណន។ - សិក្សា អនុវត្ត វាយតម្លៃឥណទាន ឲ្យបានត្រឹមត្រូវ និងទាន់សម័យ តាមគោលការណ៍ នីតិវិធីឥណទាន។ - ចុះផ្សព្វផ្សាយ និង ទាក់ទាញអតិថិជនគោលដៅ ឲ្យមកប្រើប្រាស់សេវាកម្មហិរញ្ញវត្ថុរបស់ហ្វូណន។ - តាមដានការប្រើប្រាស់ទុន និងការសងត្រឡប់របស់អតិថិជន។ - ធ្វើកិច្ចការផ្សេងៗទៀតតាមតម្រូវការរបស់ថ្នាក់ដឹកនាំ។ ទីតាំងការងារៈ ១. សាខាខេត្តកំពង់ចាម ២. សាខាស្រុកព្រៃឈរ ៣. សាខាស្រុកស្ទឹងត្រង់ ៤. សាខាស្រុកបាធាយ ៥. សាខាស្រុកស្រីសន្ធរ ៦. សាខាស្រុកពញាក្រែក ៧. សាខាខេត្តកំពង់ធំ ៨. សាខាស្រុកបារាយណ៍ ៩. សាខាស្រុកស្ទោង ១០. សាខាខេត្តតាកែវ ១១. សាខាស្រុកបាទី ១២. សាខាស្រុកគីរីរង់ ១៣.សាខាស្រុកព្រែកប្បាស ១៤. សាខាស្រុកត្រាំកក់ ១៥. សាខាខេត្តកំពង់ស្ពឺ ១៦. សាខាស្រុកបរសេដ្ឋ ១៧. សាខាខេត្តកំពត ១៨. សាខាស្រុកឈូក ១៩.សាខាស្រុកបន្ទាយមាស ២០.សាខាខេត្តព្រះសីហនុ ២១. សាខាស្រុកព្រៃនប់ ២២. សាខាខេត្តកំពង់ឆ្នាំង ២៣.សាខាស្រុកកំពង់ត្រឡាច ២៤. សាខាខេត្តពោធិ៍សាត់ ២៥. សាខាស្រុកក្រគរ ២៦. សាខាស្រុកបាកាន ២៧. សាខាខេត្តបាត់ដំបង ២៨ .សាខាស្រុកបរវេល ២៩.សាខាស្រុកមោងឫស្សី ៣០.សាខាស្រុកមង្គលបូរី ៣១. សាខាខេត្តសៀមរាប ៣២. សាខាសូទ្រនិគម ៣៣. សាខាស្រុកជីក្រេង ៣៤. សាខាស្រុកក្រឡាញ់ ៣៥. សាខាស្រុកស្វាយអន្ធរ ៣៦. សាខាស្រុកំពង់ត្របែក ៣៧. សាខាខេត្តស្វាយរៀង ៣៨. សាខាខេត្តព្រះវិហារ ៣៩. សាខាខេត្តក្រចេះ ៤០. សាខាស្រុកឆ្លូង ៤១. សាខាស្រុកស្នួល ៤២. សាខាខេត្តមណ្ឌលគីរី ៤៣. សាខាខេត្តរតនគីរី ៤៤. សាខាខេត្តស្ទឹងត្រែង ៤៥. សាខាស្រុកពញាឮ ៤៦.សាខាស្រុកខ្សាច់កណ្តាល ៤៧. សាខាស្រុកកោះធំ ៤៨. សាខាស្រុកកៀនស្វាយ ៤៩. សាខាខណ្ឌដង្កោ

Job Responsibilities • Promoting and sale loan products • Collecting and investigate documents for loan assessment • Analyzing borrowers’ business plans and financial status • Making field visit, appraise collateral and writ loan analysis report • Monitoring and following up the whole loan process in order to ensure satisfactory of clients and prompt repayment • Building and maintaining good relationship with clients and authority officers • Maintaining the highest level of confidentiality with all information obtained • Ensuring policy and guideline compliance • Negotiating and decision making over setting conditions

Job Responsibilities • Promoting and sale loan products • Collecting and investigate documents for loan assessment • Analyzing borrowers’ business plans and financial status • Making field visit, appraise collateral and writ loan analysis report • Monitoring and following up the whole loan process in order to ensure satisfactory of clients and prompt repayment • Building and maintaining good relationship with clients and authority officers • Maintaining the highest level of confidentiality with all information obtained • Ensuring policy and guideline compliance • Negotiating and decision making over setting conditions

Key Responsibilities: • Print and prepare loan documents follow the checklist • Analyze loan and make sure all documents are comply with policy and Procedure • Discuss and recommend loan to Deputy/Manager • Prepare loan for Credit Committee Meeting • Prepare legal and loan file to branch • Other task will be assigned by Deputy/Manager

• Check and monitor number of overdue clients of head office and braches. • Follow up update solution information of head office and branches. • To ensure that all loan overdue measures are based on correctly held data. • Check and discuss with head office and branches to analyze, take action and solve overdue loan. • Provide and joint solution with head office and branches. • Maintain document and file for legal action • Prepare legal document for court • To attend court and present best evidence as the appropriate invitation, reminder, variation orders to Court. • Prepare plan to visit directly all branches. • Report immediately to Credit Department Manager for any suspicious case after checking or analyzing. • Daily, Weekly and Monthly report to Credit Department Manager.

- Learn and practice accurately and up-to-date with policies and procedures related to credit/loan - Practice loan process within duty area accurately with proficiency including promoting, loan disbursement, and loan recovery - Seek prospective customers and solicit for loans - Assist in application processing, securities - Establish good report with existing customers and continuously develop & increase the loans base - Effectively participate in promoting products and services that could enhance the company’s business and corporate image - Do other tasks as assigned by management

• Manage bad debt provision • Follow up customer to solve customer’s debt problem by calling and investigation • Analyze the root cause of delinquent receivable • Make a collection strategy for improving performance • Feedback Collection information • Report daily and monthly collection performance to Management

• Greeting and well explain customer about credit card feature and benefit • Convince customer to appy for credit card • Update the system and prepare reporting • Response to customer inqueries • Arrange card into the store room • Prepare card retirm following the guideline and flow • Other tasks assigned by supervisor and management

- Learn and practice accurately and up-to-date with policies and procedures related to credit/loan - Practice loan process within duty area accurately with proficiency including promoting, loan disbursement, and loan recovery - Seek prospective customers and solicit for loans - Assist in application processing, securities - Establish good report with existing customers and continuously develop & increase the loans base - Effectively participate in promoting products and services that could enhance the company’s business and corporate image - Do other tasks as assigned by management

Job Description Relationship Manager - Business Banking is responsible to solicit, build and maintain relationships with local and multinational corporate clients through provision of highly analytical, professional and well-rounded service presentations and consultations of the Bank’s corporate products ranging from deposit to credit facilities to serve as one-stop and all-rounded Banking experiences for the clients to ensure sustainable and secure corporate deposits and loan portfolios. Location Head Office, Phnom Penh (02 posts). Duties and Responsibilities Solicit, build and maintain new and existing corporate clients in accordance with the guidelines stated in the Commercial Banking policies and procedures to ensure sustainable and secure deposit and loan portfolios. Present and provide highly professional consultations to target corporate clients to address their demands and match with the Bank’s products and services. Discuss credit-related issues and loan packaging to provide sound financial advice and tailored solutions for the clients as well as to take the opportunity to cross-sell other banking products. Act as liaison between clients and internal operations team to timely and effectively understand and provide all types of banking products including but not limited to deposits, loans, trade finances and remittance for the clients. Facilitate and collect all clients’ required documents for application of banking facilities to verify their eligibility. Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, corporate financial statement and other financial information. Conduct financial analysis and interpret applicants’ financial status, credit, property evaluations, repayment capacity to determine feasibility of granting loans and other credit facilities. Conduct a site visit at clients’ business premise and proffered collateral during loan assessment process to obtain in-depth information concerning to the soundness of their business and purpose of loan application and ensure sufficient and acceptable security for the loan. Process the registration of the title deeds at local authority and land office to acquire the legal evidence of clients’ rights to ownership of the property. Process and prepare Credit Appraisal Report for commercial applications including detailed loan appraisal write-up and detailed financial analysis of the corporate clients in order to submit to higher authority for loan approval. Prepare and execute loan contracts and arrange loan disbursement timely and accurately to fulfill clients’ needs and satisfactions. Make regular site visits to existing clients to determine the actual conditions of the business and loan collateral whether it should remain the same or be downgraded as well as to develop relationship with clients as part of retention strategies. Closely monitor on recommended/processed loan for timely repayment and to ensure Portfolio At Risk remains within acceptable level. Follow up delinquent clients immediately and refer such case to higher authority to actively handle the branch’s loan portfolio. Handle complex clients’ issues or complaints to find an amicable solution for all and process to higher authority if needed. Act as a role model within the team to question, listen and give actionable feedback carefully in order to create a productive work atmosphere towards “speak up culture”.

- Visit dealer who need support from ÆON - Promote bank products & meet customers - On site loan assessment and loan evaluation - Regularly Visit dealer - Collect the requirement document for loan proposal preparation - Check out and Report all activities of competitor - Report all promotion activities of the partner and competitor in the market - Do other tasks as assign by Branch Manager