Prepare and validate daily, weekly, and monthly regulatory returns required by CBM.
Monitor and calculate key banking ratios such as Liquidity Ratio and Capital Adequacy Ratio (CAR).
Coordinate with internal departments to ensure data accuracy for reporting.
Keep monitor of new CBM directives and ensure internal processes are aligned with updated regulations.
Assist in responding to inquiries from CBM auditors and examiners.
Requirements
Bachelor’s degree in Banking & Finance, Accounting, or a related field (B.Com, B.ECom, or LCCI Level 3).
Experience: 0 to 2 years of experience in the banking or financial services sector. Fresh graduates with strong analytical skills are encouraged to apply.
Basic understanding of banking operations and accounting principles.
Proficiency in Microsoft Excel & Word (Advanced formulas, Pivot Tables, etc.). Note:(Candidates will undergo a practical Excel & word assessment during the interview).
Basic knowledge or prior exposure to CBM reporting requirements and regulations.
Strong attention to detail and ability to work under tight deadlines.
Good communication skills in both Myanmar and English.
Allowance & Benefits
Sat and Sun Off
Ferry Provide
Annual Bonus
Promotion Opportunities
Job Descriptions
Credit Appraisal: Review and analyze 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.
