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Practical Lending Methodologies

Who should attend?

Credit Manager, Branch Manager, Chief of Credit Officer and Credit Officer or someone who work related to credit activity.


The training methodology will be focused on experience based and participatory approaches including brainstorming, group discussion with presentation, group work, sharing hand-on experience, training game and participants' problem raised during training workshop.

Training Program

  • Date: June 16-17, 2015
  • Time: 8:30 - 16:30
  • Lunch: 12:00 - 13:30
  • Training Language: Khmer
  • Training Materials: English

Deadline of registration: June 10, 2015

Contact Persons

Mr. LIM Dina
Tel: +85­5 (0)15 600 185

Tel: +85­5 (0)15 600 185

Training Venue

ACLEDA Training Center, building #50, Street 516 Corner 335, 06 Village, Sangkat Boeng Kak 1, Khan Tuol Kork, Phnom Penh.

Loan is generally the principle and largest asset of financial institutions because it generates the interest income and fees. Nowadays, lending becomes very active and interesting business making more competitive environment in this industry that requires the lenders to be flexible and full knowledge and skills to manage lending activities efficiently.

What you will benefit?

After completion of this course, participants will:

  • Gain more knowledge about lending methodologies in financial institutions
  • Be aware of the practical lending process of ACLEDA Bank Plc.
  • Know loan operating manual of ACLEDA Bank Plc.
  • Be able to assess borrower's information effectively
  • Encourage on time repayment behavior
  • Obtain tips and tools of dealing with delinquent clients effectively

Course Contents

  1. Types of lending in financial institutions
  2. ACLEDA Bank's lending procedure
    • Pre-disbursement
    • During disbursement
    • Post-disbursement
  3. ACLEDA Bank's loan operating manual and document
    • Borrower's loan requirements
    • Loan repayment methods
    • Loan size determination
    • Internal and external documents
  4. Effective loan assessment
    • Loan assessment process
    • Information research
    • Key points of loan assessment
    • Information analysis
    • Loan decision making
  5. Loan discipline establishment
    • Process of loan discipline
    • Loan discipline establishment
    • Loan discipline strengthening
    • Loan discipline reviewing
  6. Loan Problem Solving
    • Process of loan problem solving
    • The major causes of the problem identification
    • The problems defining
    • Strategies selection
    • Monitoring

Training Fee

  • USD 170 per participant per wo-day training course
  • USD 160 per participant per two-day training course, for organization which sends 3 or more participants to the course
  • This fee includes training materials, refreshments, lunch and certificate


If you are interested, please fill our enrolment form and then send to or

Payment Condition

There is no charge for any cancellation which is made by the deadline of the registration. Cancellation after deadline of the registration and participants appearing without proper cancellation will be charged the full amount.


Mr. Ann Chantha
Senior Faculty of ACLEDA Training Center (ATC)

Born in 1964, he obtained a Master's Degree of Business Administration (MBA) majoring in Finance from National University of Management, Cambodia in 2011. He graduated with a Bachelor of Business Administration (BBA) majoring in Business Management from University of Management and Economic, in 2004. Since 1993, he has attended numerous courses on Banking Management, Leadership, Credit Management, andMarketing Management both in Cambodia and overseas. He has worked for ACLEDA Bank Plc as a Credit Office in 1993 and then was promoted as a District Team Leader in 1998. From 2006 to 2014, he had been promoted to work as a Branch Manager for 8 years. He has been assigned as a member of trainer pool of ACLEDA Bank Plc., since 2006 and responsible for delivering training courses on Successful Branch Management, Management and Leadership skill, Credit Management, Loan recovery, Delinquency Management, MSME Lending, Work flow of Credit Officer, Loan Evaluation, Credit Risk Management, Bank Risk Management. At present time, he holds a position as Senior Faculty Specialized in Credit at ACLEDA Training Center.

Mr. Yi Sokkim
Senior Faculty of ACLEDA Training Center (ATC)

Mr. Yi Sokkim used to be a Credit Department Manager at ACLEDA Bank Lao Ltd. (ABL) and he was also a member of the Board Credit & Risk committee, ALCO committee and a founder of ABL. In his responsibility, he managed, led and trained his Branch managers and Credit officers to implement the credit task to maintain healthy loan portfolio, and especially to prevent delinquencies with satisfactory outcomes

Since January 2011, Mr. Yi Sokkim has been elected as a senior faculty of ATC specializing in credit. He is an experienced trainer certified by Frankfurt School (FS) and Women's World Banking (WWB). In his speciality in credit, he has conducted many training courses on Loan Delinquency Management, SME Lending, Loan Portfolio Management, Credit Risk Management, etc. to participants from both local and international MFIs and banks.

He used to attend Credit Portfolio Risk Management Master class in Malaysia and numerous training programs related to credit field abroad. He has had more than 17 years of relevant working experience in credit field. He started working for ACLEDA Bank in 1997 as Micro and Small Credit Officer, Chief of Credit Officer, Training Program Officer. Because of his successful experiences and capacity in credit field, he was promoted to Credit Department Manager. He obtained a Master's Degree of Business Administration (MBA) majoring in general management at Royal University of Law and Economic (RULE).

Guest Speaker: Senior Manager from Credit Division, ACLEDA Bank Plc.

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