Job Purpose:Job holder ensures full delivery of the objectives of the Credit Risk Function. Job holder is also responsible for supporting the bank’s strategies and initiatives to provide an effective and engaging digital customer on boarding experience, expand the agent and merchant networks, and drive the usage of mobile and digital applications, in order to achieve economic and social development in Myanmar through nation-wide financial inclusion

• Evaluate Business Credit Applications/Memorandums raised by Relationship Managers in the Commercial Banking Value Centre and contribute constructive suggestions to develop a fully informed and well-balanced representation of the case to facilitate decision making by the Approving Authority.
• Write the Executive Summary embodying the independent credit evaluation, including risk mitigation measures where found wanting for support of the business case and varying the request where justifiable.  Or decline the request with justification where the risk is deemed not bankable.
• Conduct joint customer visit with the Relationship Manager and contribute to the discussion with the view to achieving the objectives of the customer visit.
• Carry out verification, validation  and authentication of information and documents provided by the Relationship Manager and the customer to ensure that the facts are accurate, reliable and true.
• Liaise closely with the Value Centre General Managers of all Value Centers of the Bank, irrespective of whether they are lending units or otherwise, to fully understand their operations and how they impact on credit risk function.
• Liaise closely with the Bank's in-house Legal and Compliance Team to fully understand the legal aspects impacting on the extension of credit and securing documentation.
• Assist the Head, Credit Function in implementing the Early Alert process for monitoring and tracking of credit exposures.
• Liaise closely with the Team Leader, Credit Control and Recovery to share first-hand experience of credit concerns about the Bank’s borrowing customers.
• Implement any other duties assigned by the Head, Credit Function.
• Provide support to the VCGMs and other Function Heads to facilitate and drive KBZ’s strategy of achieving nation-wide financial inclusion

• Bachelor’s Degree in Business Studies, Banking, Economics, Accounting or related field.
• Good command in English
• Prior experience in a multinational and culturally diverse environment is an added advantage
• At least 3-5 years in the role in banking/business in the private sector.