Duties

• Develop customer strategy to optimize bank's return on its high risk account with focus on early intervention and retention of value.
• Increase overall customer profitability by managing price realization and better cost savings.
• Manage sustainable high risk customer relationship under the Workout Principles established by LSA and the bank.
• Work with colleagues in other BU's by shadowing accounts and suggesting improvement to ongoing customer banking arrangement.
• Conduct appraisal of customer financial status and provide recommendation to achieve an effective resolution or respectful exit of accounts.
• Recovery targets to be set at the beginning of the year. These to include IP recovery plus ancillary income gained from income opportunities identified.
• 100% of credit approval reviews to be completed before due date.
• Income margins or lending fees to be periodically assessed to be appropriate for the circumstances.
• Proactive engagement to ensure constructive relationship, providing updates to Regional LS and local CRO/RMC as appropriate.
• For shadow accounts quickly identify concerns or issues and work with the RM's to determine if the account should be transferred to LS.
• For LS clients identify early the recovery opportunity (i.e through refinance or arrangement of sale of security either through the customer own-managed sale or the Court's managed sale) and execute once approved by Regional LS.
• Maintain full checklist and filing documents/records for good operational control.
• Compliance with credit process, lending services policy, and legal practice.
• Receive a minimum 2 audit rating.
• Follow LSA process/procedure relating to account management through effective use of checklist and related documentation.
• Supervise and lead the LSA team.
• Provide coaching and support to develop LSA team members to enhance capability/skills Improving understanding of the credit process and procedure, new lending service policy, and legal knowledge.
• Leading LSA team when is needed.
• Provide Lessons Learned training to RM's/business units within the bank.
• Ensure the team maintain the highest levels of standards/behaviours when dealing with difficult clients. Reputational risk is a key risk and actions taken need to ensure that we are mitigating this risk sufficiently.
• Adhere to credit policies and standard regarding reporting and documentation.

Requirements

• Tertiary Qualifications in a business, finance or marketing field is.
• Capable of high level strategic planning through development and ability to deliver and execute the defined strategies.
• Proven performance in relationship management and strong negotiation skills.
• Sound knowledge of credit risk and proven ability in managing high risk, complex accounts with commercial acumen.
• Knowledge of the legal structure in Cambodia will be useful.

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