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Credit Underwriter (Corporate/SME)
Job Descriptions
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.
