DUTY AND RESPONSIBILITIES
• Lead and manage a small team of Credit Analysts who will enjoy building great relationships with colleagues in order to achieve common objectives.
• Build strong relationships with business units and clients.
• Undertake site inspections of Yoma Bank's borrowers, including a willingness to travel within Myanmar.
• Ensure that efficient credit underwriting procedures are consistently in line with Yoma Bank’s core credit risk related policies and credit risk appetite.
• Demonstrate responsible business acumen to strike an acceptable balance between business growth and credit quality objectives, (“Risk/Reward”).
• Ensure that the turnaround time for all credit applications is within a reasonable and competitive timeframe.
• Ensure all credit underwriting are submitted to the related Credit Committees.
• Oversight of the various Credit portfolios including MFI and assigned portfolios.
• Monitor delinquency rates of assigned credit portfolios.
• And other ad-hocs.

Knowledge & Skills
Essential
• Possess a proven track record with credit risk, including applying sound judgement in credit decisions in all stages of the credit cycle.
• Experience with SME and corporate credits.
• Sound knowledge of collections and delinquency monitoring.
• Strong relationship building skills, including an ability to influence senior management of Yoma Bank's borrowers.
• Thorough understanding of Yoma Bank’s Credit Policy, Risk Appetite and Procedures.
• Thorough understanding of CBM and FRD compliance policies.
• Consistently deliver high levels of results, using constructive credit management techniques and to exceed multiple, challenging performance objectives.
• Sound knowledge of collateral (security) documentation and identify any inherent errors.
• Sound knowledge of Myanmar legal processes at a level which would allow challenge with lawyers involved in transactions
• High level of attention to details and accuracy.
• Strong organizational skills and time management abilities
• Strong ability to effectively prioritize tasks.

Education & Special Training
Essential
• Degree in one of the following fields; Business, Risk Management, Commerce, Finance, Accounting, Economics and/or any industry specific qualification.
Desirable
• Masters Degree in Business or Finance

Experience
Essential
• Experience in managing a small to mediumsized, dedicated Credit Risk team.
• Thorough knowledge of lending in the Myanmar market, particularly to SMEs and Corporate gained through practical experience.

Languages
Essential
• Sound and effective interpersonal & communication skills.
• Bilingual of both English and Burmese.

*Only shortlisted candidates will be contacted for interviews*