Credit Underwriter in Yangon

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Credit Underwriter

Myanmar Citizens Bank (MCB), Kyauktada | Yangon

Credit Underwriter

Myanmar Citizens Bank (MCB)

Credit Underwriter

Myanmar Citizens Bank (MCB)

Myanmar - Yangon

Kyauktada | Yangon

11 Sep 2023

Experience level

Manager

Job Function

Finance, Accounting, Audit

Job Industry

Banking/ Insurance/ Microfinance

Min Education Level

Bachelor Degree

Job Type

Full Time

Job Description

An Excellent Opportunity for ...

Review individual transactions (underwriting) and products before submission to the relevant approval authority as per the MCB process and CBM regulatory guidelines
Drafts credit reviews ensuring transaction is properly structured and credit submittal is accurate and properly presented to committee for approval
Monitor delinquency and loss performance of loans frequently, ensuring loans acquired meet established performance benchmarks;
Create and maintain credit analysis templates, tools and models, including HP / Consumers / Corporate/SME rating tools
Ensure credit policies are appropriate and monitor the effectiveness of the credit policies and product programs on a regular basis;
Perform root cause analysis to understand any performance deterioration and establish appropriate credit policies to bring performance back to within benchmarks;
Provide forecasts to feed into the Business Plan/Forecasts;
Actively participate in providing analytics/information on credit performance to our key shareholders;
Review accuracy of financial information, liaise with relationship managers on any unclear or incomplete client information
Interrogate credit bureaus, public collateral registries, land registries any other source of public information relevant to the credit quality of the borrower.
Prepare activity reports on number of accounts received, reviewed, approved and rejected
Formulates observations regarding general lending practices in MCB including Credit or Product Policy Amendments, Procedures, Lending Standards etc.
Performs supervisory responsibilities as assigned
Understanding of Central Bank of Myanmar regulations.

Open To

Male/Female

Job Requirements

Bachelor degree in Business or B. Com/ Any degree with related experiences.
Master degree or CPA is preferable.
Minimum 3 years of experience in Banking in similar role.
Good understanding of Customer Acquisition and Credit Underwriting;
Good understanding of credit Risk and decisioning models.
Strong quantitative and analytical skills in conducting analysis using customer performance data and marketing information.
Ability to work efficiently in a matrix environment and able to work under pressure.
Strong communication and presentation skills.
Good English in both written and oral.
Must be Digital-oriented and excellent computer skills.