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Role Purpose

To conduct post-approval reviews of credit accounts across all business segments, ensuring end-to-end compliance with the Bank’s credit policies, guidelines, and procedures. The role is focused on assessing the quality, accuracy, and effectiveness of credit processes, documentation, monitoring, and controls, while recommending improvements to strengthen credit risk management and customer experience.

Key Responsibilities

• Perform random post-approval reviews of loans covering the full credit value chain (onboarding, underwriting, approvals, documentation, disbursements, monitoring, collections, and controls).
• Verify credit documentation, collateral, file management, registers, and compliance with pre- and post-disbursement conditions.
• Conduct site visits (borrower units, collaterals, warehouses, business premises) to validate adherence to approved credit purposes and guidelines.
• Ensure proper utilization of facilities, stage-wise disbursements, and timely collection of fees and service charges.
• Assess quality of proposals, risk assessments, KYC, underwriting, monitoring, and deviations from policy or approval authority (DOA).
• Check compliance with legal, regulatory, and internal requirements, including security perfection, insurance renewal, registrations, and risk classification.
• Identify process gaps, repeated errors, and bottlenecks; recommend practical improvements to strengthen efficiency, controls, and customer service.
• Prepare and submit periodic hindsight review reports with observations.
• Support capability uplifting by identifying training needs, sharing best practices, and working with frontline staff and credit teams to improve consistency, quality, and turnaround time.
• Other duties assigned by Supervisor.

Knowledge & Skills

• Strong knowledge of credit policies, procedures, underwriting, monitoring, and regulatory compliance in banking.
• Analytical skills with attention to detail; strong reporting and communication ability.
• Knowledge of Myanmar’s financial regulations, Central Bank guidelines, and international best practices in credit risk.

Education & Special Training

• Bachelor’s degree in Finance, Banking, Business, Economics, or related field.
• Professional certifications in credit risk (e.g., CFA, FRM, or equivalent banking certifications).

Experience

• Minimum 3 years’ experience in credit, lending, or credit risk management within banking or financial institutions.
• Experience in hindsight reviews, credit audit, or credit quality assurance functions.

Languages

• Proficiency in Myanmar language and English (reading, writing, and reporting).