Credit Underwriter

Job Description

  • Review individual transactions (underwriting) and products before submission to the relevant approval authority as per the MCB process and CBM regulatory guidelines
  • Drafts credit reviews ensuring transaction is properly structured and credit submittal is accurate and properly presented to committee for approval
  • Monitor delinquency and loss performance of loans frequently, ensuring loans acquired meet established performance benchmarks;
  • Create and maintain credit analysis templates, tools and models, including HP / Consumers / Corporate/SME rating tools
  • Ensure credit policies are appropriate and monitor the effectiveness of the credit policies and product programs on a regular basis;
  • Perform root cause analysis to understand any performance deterioration and establish appropriate credit policies to bring performance back to within benchmarks;
  • Provide forecasts to feed into the Business Plan/Forecasts;
  • Actively participate in providing analytics/information on credit performance to our key shareholders;
  • Review accuracy of financial information, liaise with relationship managers on any unclear or incomplete client information
  • Interrogate credit bureaus, public collateral registries, land registries any other source of public information relevant to the credit quality of the borrower.
  • Prepare activity reports on number of accounts received, reviewed, approved and rejected
  • Formulates observations regarding general lending practices in MCB including Credit or Product Policy Amendments, Procedures, Lending Standards etc.
  • Performs supervisory responsibilities as assigned
  • Understanding of Central Bank of Myanmar regulations.

Open To

  • Male/Female

Job Requirements

  • Bachelor degree in Business or B. Com/ Any degree with related experiences.
  • Master degree or CPA is preferable.
  • Minimum 3 years of experience in Banking in similar role.
  • Good understanding of Customer Acquisition and Credit Underwriting;
  • Good understanding of credit Risk and decisioning models.
  • Strong quantitative and analytical skills in conducting analysis using customer performance data and marketing information.
  • Ability to work efficiently in a matrix environment and able to work under pressure.
  • Strong communication and presentation skills.
  • Good English in both written and oral.
  • Must be Digital-oriented and excellent computer skills.
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Job Summary

  • Published on:October 11, 2023
  • Employment Status:Full-time
  • Job Location:Yangon
  • Salary:Negotiable
  • Application Deadline:December 14, 2023