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Location: Yangon | Mandalay | Nay Pyi Taw | Ayeyarwady | Mawlamyine
Key Responsibilities

• Review and assess credit proposals submitted by branches and business teams within delegated underwriting authority.
• Analyze borrower financials, cash flow, repayment capacity, leverage, business model, industry outlook, banking conduct, collateral coverage, and overall risk profile.
• Ensure completeness and quality of credit applications, appraisal notes, due diligence documents, KYC, financial statements, site visit reports, and collateral documentation prerequisites.
• Validate compliance with product program parameters, credit policy, prudential limits, sector caps, related-party restrictions, and regulatory requirements.
• Recommend approval, decline, deferment, risk mitigation, or restructuring conditions based on underwriting findings.
• Set and document loan covenants, security requirements,disbursement conditions, insurance requirements, and monitoring triggers where applicable.
• Engage with branches and business teams to clarify proposal weaknesses and improve origination quality without compromising independence of credit judgment.
• Escalate cases outside delegated limit, policy exceptions, higher-risk exposures, and sensitive accounts to the relevant approving authority or Head Office committee.
• Monitor underwriting turnaround time, approval quality, early delinquency trends of newly booked accounts, and common portfolio weaknesses from the division.
• Provide guidance and coaching to branch staff on credit standards, appraisal quality, and documentation expectations.

• Bachelor’s degree in finance, banking, accounting, economics, or related discipline.
• Preferably 3–5 years of relevant banking experience, including practical exposure to credit analysis, appraisal, or underwriting for SME, corporate, retail, or agricultural lending as relevant to the division profile.
• Sound understanding of financial statement analysis, cash flow assessment, collateral evaluation, and structured credit approval workflow.
• Strong analytical and credit judgment capability.
• Independence, integrity, and willingness to challenge weak proposals.
• Good understanding of sector risks and borrower behavior in local markets.
• Strong writing and presentation of credit rationale.