ROLE PURPOSE

The main purpose is to carry out the credit review for Agricultural Lending Products and YTG. It consists of providing credit analysis of new loan and of the existing loan and performing analysis on relevant macro-economic, industry and regulatory issues relating to the deals as well as credit portfolio.
In addition, Assistant Manager will assist in prepare/review of weekly and monthly reports, perform ongoing analysis and complete other duties as assigned.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• This is a key strategic role in the credit risk team accountable for optimizing credit risk of a diversified portfolio of Myanmar’s leading customers who are the banks’ Agriculture and YTG customer segments.
• Primarily accountable for credit risk assessment, decision, or recommendation for Agriculture and YTG credit in line with the banks’ risk appetite, credit policy and banking regulations
• Demonstrate knowledge of risk assessment through appropriate business analysis and questioning
• Coaching team members to develop banking and risk management
• Partner product and Business Unit teams to optimize credit structuring to support customer’s requirements while mitigating key risks
• Support implementing and managing policy, guidelines, and procedures to enhance business credit decisions, ensure early identification and management of credit stress/concentrations and optimize the risk reward of the portfolio.
• High profile role required to present and make recommendations Executive Credit Committee (senior bank executives such as Chief Executive Officer, Chief Customer Officer, Chief Risk Officer).
• Support execution of Yoma Bank’s vision to build a better Myanmar
• The successful candidate will be accountable for supporting training and develop of more junior credit resources
• Perform other credit and risk related tasks/projects as assigned by Manager and Head of Department
• Perform additional assignments, as necessary.

STRATEGIC COMPETENCIES

LEADERSHIP

• Leads single or less complex business units and ensures delivery of work in accordance with Business Unit Strategy
• Creates an effective team for executional excellence
• Accountable for collaborating across the value chain to execute on Business Unit Strategy
• Leader of the team
• Organizes the team into effective and functional groups
• Appoints, develops, coaches and inspires the team
• Demonstrates continuous improvement
• Deputizes for Senior Manager
• Represents Yoma Bank with impact to external stakeholders

RELATIONSHIP BUILDING

• Build and manage effective relationships with functional teams and other business units
• Creates a climate of openness and trust in which people can freely speak out
• Recognizes potential conflicts within own working relationships and facilitates the negotiation of mutually beneficial outcomes
• Understood and leverage team’s strengths to deliver outcomes
• Proactively develops rapport with key customers and external stakeholders

COMMINICATION SKILLS

• Effectively communicates and influences across the team
• Tailors content and style to connect with all employees in English and Myanmar
• Communicating change with conviction
• Demonstrates SPEAKING OUT
• Asks for clarity to ensure own understanding
• Gives constructive feedback to improve performance

RESULTS ORIENTATION

• Uses feedback to consistently delivers on all tasks and goals
• Holds direct reports accountable for producing quality, risk and assessed timely results
• Helps others maintains focus and overcome obstacles
• Provides performance feedback to team that facilitates development

PROBLEM SOLVING

• Breaks down problems into fundamental parts, identifies root causes and addresses problems
• Sees beyond the immediate solution to potential process improvements
• Makes informed decisions based on information that is relevant, current and clear
• For more complex problems, recommends possible solutions and escalates. Follows up to ensure resolution
• In challenging situations, takes charge and makes decisions in a timely manner
• Assists team in diagnosing problems and recognizing issues
• Establishes a culture that embraces problem solving

Knowledge & Skills

Essential 

• Consistently work on various projects, self-reliantly and achieved required obejectives with limited supervision.
• Ability to work within a team environment, interact with peers and management within the bank as well as with the other departments

Education & Special Training

Preferred

• University degree in Accounting/ Finance/ Economics or otherwise quantitative field
• Preferable if candidate has industrial expertise in lending to Agricultural Sector and rural financial inclusion.

Experience

Preferred

• Minimum 4 or 5 years’ work experience conducting in Analysis/underwriting of secured loans/ unsecured loans/Lending to Agricultural Sector and rural financial inclusion

Languages

Essential

• Excellent verbal and written communication skills besides strong analytical, problem solving and presentation skills
• Proficiency in English Presentation and Communication highly desirable