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Credit Risk Manager

Yoma Bank
Recruiter active 5 days ago The recruiter at this company was last active reviewing applications.
Myanmar - Yangon
Full Time
Verified This job has been verified by the company as a real job vacancy.
21 Jan 2021

Experience level

Manager

Job Function

Legal, Risk and Compliance

Min Education Level

Bachelor Degree

Job Description

ROLE PURPOSE

Corporate/SME Manager (Credit Risk Analyts) will primarily lead Corporate/SME/Consumer Credit team to allocate the tasks/projects and to monitor the service level agreement (SLA) of analyzing the credit proposals for new and existing clients in accordance of financial performance to alleviate in Financial Risk, and monitoring of repayment capacities and capabilities. In addition, Manager will assist or be responsible in analyzing the credit proposals, in prepearation of interpretation to trend observed from credit risk reporting and suggest enhancement to existing policy, procedures and risk appetite, perform ongoing analysis and complete other duties as assigned.

 

RESPONSIBILITIES & ESSENTIAL DUTIES

  • 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’ Corporate/SME/consumer customer segments.
  • Primarily accountable for credit risk assessment, decision, or recommendation for Corporate/SME/consumer Banking in line with the banks’ risk appetite, credit policy and banking regulations
  • Partner with product and relationship teams to optimize credit structuring to support customer’s requirements while mitigating key risks.
  • To be able to lead initiative in line with bank strategy and provide recommendation over policy, procedures, and Standard Operating Procedures
  • 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 leading Corporate/SME/Consumer Credit team to ensure delivery of work in accordance with SOPs, proactively develops rapport with different business units and be accountable for supporting training and development of more junior credit resources.
  • The candidate is to lead in developing of credit policy for credit card.
  • 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

 

Open To

Repatriate
Male/Female

Job Requirements

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
  • Ability to communicate effectively by using appropriate presentation skill across the different business units and with the senior management.
  • Strong understanding of 5 Cs, 3 line of defence, key risks and business models in conducting credit analysis
  • Good knowledge in regulatory and compliance requirements

Education & Special Training

Essential

  • University degree in Accounting / Finance / Economics / Engineering or otherwise quantitative field

Experience

Essential

  • Minimum 5 years’ work experience conducting in Analysis/underwriting of commercial and consumer loans
  • Management of credit underwriting experience in credit card is preferable for consumer credit.

Languages

Essential

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

What We Can Offer

Benefits

- Ferry provided

Highlights

- An awesome company
- Join a winning team
- You can make a difference

Career Opportunities

- Opportunities for promotion
- Possibility for job training
- Learn new skills and techniques

About Our Company

"Founded in 1993, Yoma Bank is Myanmar's most progressive domestic bank with over 3,000 employees and more than 80 branches across the country. With a mission to “Build a better Myanmar for its people” and financing the needs of Myanmar families and businesses, Yoma Bank offers savings products, a wide range of loans and business solutions to individuals, SMEs and local corporate clients to fund their business operations in Myanmar. With over 25 years of being a responsible bank, Yoma Bank has been consistently making significant investments in strategic priorities- people, technology and corporate governance.
All the operations led by the Bank are centered around its core values such as Customer, Integrity, Respect, Teamwork and Innovation. Yoma Bank has also established strong partnership with both local and international organisations leveraging strategic advantages in its services. Yoma Bank is the first local bank that welcomed foreign investments from global organisations such as GIC of Singapore, Norfund of Norway and IFC of the World Bank."

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Experience level

Manager

Job Function

Legal, Risk and Compliance

Min Education Level

Bachelor Degree

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