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Bad Debt Management

Credit operation, in 2016, has shown that the increasing level of past due loan that will continue to be none performing loans (NPLs) and fall into written off (WO) list in shortly. Financial Institutions might fall into bankruptcy if they lately take action on these problems. Therefore, Banks, MFIs and Credit Operators should invest in upgrading their capability on Bad Debt Management to minimize the impacts as well as to improve their financial performance in the mature markets.

Who should attend?

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

What you will benefit?

After completion of this course, the participants will be able to:

• Define the meaning of Bad Debt,
• Develop the system of Bad Debt Management effectively,
• Measure the quality of Bad Debt by using appropriate standard indicator,
• Know how to develop the organizational structure of Bad Debt Management.

Course Contents

1. Introduction to Bad Debt Management
• Definition of Bad Debt
• Different types of Bad Debt
2. Process of Bad Debt Management
• Loan written off conditions
• Loan written off classification
• Loan written off action taken
3. Bad Debt Measurement
• Loan written off rate
4. Bad Debt Management Structure
• Loan Recovery Unit
• Chief of Branch Credit Officer
• Loan Recovery Officer (LRO)

Training Fee

• USD 111 per participant per training course.
• USD 104 per participant for organization sending 3-5 participants to the course.
• USD 98 per participant for organization sending 6 participants up to the course.

This fee includes training materials, refreshments, lunch and certificate.

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.

Methodology

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.

Trainers

Mr. TAUCH Ngam Youra, Senior Faculty of ACLEDA INSTITUTE OF BUSINESS

Mr. Tauch Ngam Youra has started his career with ACLEDA Bank since 1998. He was one of the expert team to establish and expand ACLEDA Bank Lao Ltd, Lao PDR, successfully in the position of Vientiane Branch Manager and as the representative member of branch managers of the Board Credit & Risk Committee. In his function responsibilities, he led and managed credit operations, and built up knowledge, skills, and attitude of chief and credit officers to provide and maintain both quantity and quality of loan portfolio increasingly and healthily. In addition, from 1998 to July, 2016, he had extensive experience in credit field closely dealing with credit operations such as credit officer, internal auditor, district team leader, branch manager, and head of public relations department to promote and cooperatively organize many MF training programs for other organizations and the public locally and internationally. Before ACLEDA Bank, from 1982 to 1997, he used to be an official of Banteay Meanchey Provincial Branch of the National Bank of Cambodia. At present, he is a Senior Faculty, credit specialist, of ACLEDA INSTITUTE OF BUSINESS. He received a Master's Degree in Public Administration (MPA) in 2009, from the Chamroeun University of Poly-technology (CUP), Phnom Penh, majoring in Humanities and Political Science. He also has undertaken 2 study tours to Bank RAKYAT (BRI) in Indonesia, and attended training courses on MFI Management and ToT with the Frankfurt School of Finance & Management, in Germany and the Boulder Institute of Microfinance ITC-ILO, in Turin, Italy.

Mr. YI Sokkim, Senior Faculty of ACLEDA INSTITUTE OF BUSINESS

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. At present time, he holds a position as Senior Faculty Specialized in Credit at ACLEDA INSTITUTE OF BUSINESS. 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).