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ROLE PURPOSE

This position plays a vital role within the Commercial Banking team. It is responsible for managing a portfolio of lending customers and ensuring high standards of credit quality, customer service, and cross-selling of banking products. This involves working closely with clients to understand their business and financial needs, preparing loan proposals, and providing suitable financial solutions aligned with the bank’s objectives. It requires proactive risk management, support for deposit mobilization from credit clients, and delivering outstanding banking experience to build long-term relationships. The role demands a strong commitment to performance targets, compliance with bank policies, and the ability to collaborate effectively within the team and with internal departments.

KEY RESPONSIBILITIES

Client Acquisition & Onboarding

• Lead efforts to acquire new commercial lending clients.

• Manage full onboarding process into bank systems.

• Ensure high client satisfaction from the start.

Credit & Financial Analysis

• Prepare high-quality and detailed credit memos.

• Conduct in-depth financial analysis to assess client performance.

• Present analysis clearly for credit approval and decision-making.

Client Relationship Management

• Conduct comprehensive site visits and client assessments.

• Develop and maintain strong long-term relationships.

• Provide customized financial solutions tailored to client needs.

Portfolio Monitoring & Risk Management

• Monitor portfolio performance and repayment behavior.

• Identify early warning signs, recommend action plans, and escalate as needed.

• Lead portfolio review discussions with insights and recommendations.

Cross-Selling & Business Growth

• Drive cross-selling of advanced banking products (loans, deposits, trade, cards, digital solutions).

• Take ownership of client portfolio retention and growth.

• Lead initiatives to achieve business growth and deposit mobilization targets.

Collaboration & Compliance

• Coordinate effectively with senior management and stakeholders for loan approvals.

• Ensure strict compliance with credit, risk, and operational policies.

• Review and ensure accuracy of CRM reporting and data quality.

Education & Special Training

Essential 

• Bachelor’s degree in business, Finance, Banking, or related field  

• Formal credit training or relevant certification  

• Understanding of financial analysis and loan structuring  

• Exposure to commercial lending products  

• Basic KYC and compliance knowledge  

Desirable 

• Diploma in credit/lending or advanced banking certification 

Experience

• 3 – 5+ years’ experience in Commercial or SME lending  

• Proven experience in relationship management, credit evaluation, and loan structuring within commercial banking

Knowledge & Skills

• Practical knowledge of credit analysis for SMEs and mid-market businesses

• Established network within the local business community

• Good understanding of Myanmar’s financial regulatory framework and commercial banking products

• Ability to operate independently and prioritize tasks under tight deadlines

• Strong stakeholder management skills, with the ability to liaise across departments and client levels

• Team-oriented mindset with a track record of performance delivery

• Excellent verbal and written communication skills in English and Myanmar

• Proficiency in business reporting (Excel, CRM tools, or dashboards) is a strong advantage

Language

• Fluent in both Myanmar and English (spoken and written)