Position Summary

The Head of Credit Department is responsible for the management of Credit risk through developing and implementing risk assessment tools and material and performing Credit function in administrating its policy and procedure and managing in performance management, and staff capacity development.

DUTIES AND RESPONSIBILITIES

• Develop and support the implementation of credit strategies, credit policies, and credit procedures.
• Identify all types of credit risk and recommend any enhancement of credit risk management framework, credit strategies, credit policies and credit procedures.
• Manage in development of policies, procedure and guideline in managing lending process and conduct the internal control to make sure that all credit operations are compliance.
• Regularly monitor and evaluate the trends of delinquency and/or NPL and keep management updated on any deteriorations lead to significant loss and follow up the process of managing clients in arrears and problem resolving of all branches and provide them with appropriate supportive ideas.
• Provide coaching and feedback to the poor performance by helping to develop a strong performance culture and professional work ethic.
• Ensure that all branch managers have convert overall branch objectives to individual performance target. Monitor and evaluate those target plans on time and regularly and provide sufficient coaching and feedback especially to poor performers.
• Assist in development of performance assessment tool in order to evaluate branch performance in the purpose of giving recognition or feedback and carry out independent evaluation of loan requests from all branches and recommend for approval.
• Participate in training on how to set loan target plan and performance assessment to branch managers, CLO, DCLO and or others related staff.
• Provide training to new recruit staffs on credit policies, procedures, loan assessment and delinquency management to ensure staffs are knowledgeable and skillful.
• Support COO to identify staffing need in the department and for branches.
• Participate in the process of recruitment and selection of Credit staff.
• Manage and support the reports as practical control and as required by management, auditors, and other stakeholders.
• Organize and coordinate to arrange in Meeting schedule of Credit Dept;
• Perform other tasks as required by Chief Operations Officer and Executive Committee.
• Be willing and ready to contribute and assist where needed.

QUALIFICATIONS AND REQUIREMENTS:

• At least Bachelor’s degree in accounting, finance, banking, or business administration or equivalent.
• Proficient in Myanmar Language
• Good English skills including writing, speaking, listening and reading.
• At least (5) years’ experience in financial or banking in industry of credit field.
• Good analytical, Communication, interpersonal and problem-solving skills.
• Be Computer Literacy-MS Office, MS outlook and MS Excel.
• Ability to initiate and prioritize multi-tasks.
• Be Honest, Flexible, hardworking, able to work under pressure and willing to travel
• Be well-organized and a good starter
• Good emotional quotient
• Be self-motivated
• Good willpower
• Be healthy and strong
• Be well-dressed or well-groomed