Credit Appraisal: Review and analyze Corporate/SME loan proposals according to existing policy, criteria and instruction before submission to the relevant approval authority as per the MCB process.
Financial Analysis: Review accuracy of financial information, liaise with relationship managers on any unclear or incomplete client information and analyze financial statements and bank statements.
Collateral Assessment: Assess the adequacy and enforceability of pledged assets. Liaise closely with the Bank’s in-house Legal Team to fully understand the legal aspects impacting on the extension of credit and securing documentation.
Site Inspections: If needed, Monitoring onsite visit to Customer’s Business Premises with related RMs.
Risk Assessment: Identify key business, industry and management risks.
Compliance Check: Ensure alignment with Central Bank of Myanmar (CBM) directives.
Mitigation Design: Finding out credit risk and risk mitigation on each application. Propose structured risk solutions and loan covenants.
Portfolio Monitoring: Monitor delinquency and loss performance of loans frequently, ensuring loans acquired meet established performance benchmarks.
Presentation: Prepare for the presentation to get credit approval from the relevant Management authority, Executive Committee, Board Credit Committee and the Board of Directors.
Reporting: Prepare activity reports on number of accounts received, reviewed, approved and rejected.
Implement any other duties assigned by the Head/Team Lead, Credit Underwriting Department.
Job Requirements
Any degree with related experiences.
Minimum 3 years of experience in Banking – preferably underwriting
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.
Minimum 1-year experience in Call Center, Customer Service and Telecommunication Industry
Manage of incoming & outcoming phone calls, Social Media Reply Comments and Messenger
Able to patiently answer inbound/outbound calls until customers are satisfied
Must possess excellent customer service skills
Able to work with shifts (Day/Night) (Ability to rotate shifts 24hr/7, as needed)
Able to work on Gazette days
Must be able to work under pressure
Able to work with company for long term
Job Requirements
Familiarity with Social Media Platforms
Must be possess excellent customer service
Must be able to speak, read and write in Burmese & English
Problem Solving Skill, Technical Skill, Consultation, Aptitude with data & Empathy
Can use in Microsoft (Word/Excel/PowerPoint)
Must have good computer skills and fast typing
Allowance & Benefits
Ferry Provide
Annual Bonus
Promotion Opportunities
Location – Taunggyi, Shan State
Job Descriptions
Guide clients through credit applications, perform financial assessments, and recommend suitable banking products.
Ensure compliance with KYC, AML, and regulatory requirements, maintaining accurate customer records.
Manage a portfolio of clients, focusing on retention, upselling, and cross-selling opportunities. (Including: credit cards, insurance, digital services, mobile and internet banking).
Meet individual and branch Credit/Deposit targets through structured sales planning and execution.
Monitor market trends and competitor offerings to enhance deposit strategies.
Ensure proper handover procedures for staff transitions and secure storage of loan security documents and customer files.
Source and evaluate potential borrowers for retail and SME loans by analyzing financial statements, cash flows, and credit histories.
Manage non-performing loans (NPLs), follow up on overdue payments, and conduct collection activities as needed.
Job Requirements
Any bachelor degree or a related field.
Experience in banking or customer relationship management is a plus.
Strong communication, sales, and negotiation skills.
Ability to build and maintain strong client relationships.
Experience in handling customer inquiries and complaints.
Proficient in MS Office (Excel, Word, PowerPoint).
