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Senior Officer(SME Credit Underwriting)

Yoma Bank

Senior Officer(SME Credit Underwriting)

Yoma Bank
Recruiter active 2 days ago The recruiter at this company was last active reviewing applications.
Myanmar - Yangon
Full Time
Verified This job has been verified by the company as a real job vacancy.
19 Aug 2020

Experience level

Experienced Non-Manager

Job Function

Administrative

Min Education Level

Bachelor Degree

Job Description

ROLE PURPOSE

SME Senior Officer (Credit Underwriting) will be primarily responsible for analyzing and preparing credit proposals for new and existing clients. The job function will also include the monitoring of borrower’s financial performance to assist in the risk rating process. In addition, senior officer will assist in the preparation of weekly and monthly reports, perform ongoing analysis and complete other duties as assigned.

 

KEY ACCOUNTABILITIES:

  •  Perform underwriting of new and existing loans to assess the financial condition, repayment capacity and risks associated with transaction.
  • Analysis of real estate valuation, personal cash flow, business cash flow and related financial statements.
  • Conduct site visit to have more understanding of borrower’s businesses
  • Review and analyze loan documents, leases, sales agreements, appraisals and other related materials.
  • Effectively communicate results of the underwriting in a written / verbal presentation for reviews by the Credit Committee and Senior Management.
  • Assure all analysis and underwriting conforms to credit policy, banking regulations and commercial real estate underwriting policies.
  • Research data to obtain information regarding current and projected status of certain industries, borrowers and market trends to assist in determining its impact on both the real estate and banking industry.
  • Prepare weekly and monthly credit and portfolio loan reports.
  • Assist in documents collection for annual loan reviews.
  • Perform additional assignments as necessary

Open To

Male/Female

Job Requirements

Knowledge & Skills

Essential

  • Ability to work on multiple projects simultaneously, independently and achieve required objectives with limited supervision.
  • Ability to work within a team environment, interact with peers and management within the bank, as well as with the customers and outside support.

Education & Special Training

Essential

  • Bachelor’s degree in Accounting, Finance, Economics or related field, will consider commercial experience.

Desirable

  • Experience in the financial industry is a plus

Experience

Essential

  • Minimum 1-2 years’ work experience in analysis/underwriting of commercial loans.

Languages

Essential

  • Excellent oral and written communication skills in addition to strong analytical, problem solving and organizational skills

*Only shortlisted candidates will be contacted for interviews*

What We Can Offer

Benefits

- Annual Bonus
- OT Payment
- Ferry Provided

Highlights

- An awesome company
- Join a winning team
- You can make a difference

Career Opportunities

- Opportunities for promotion
- Possibility for job training
- Learn new skills and techniques

About Our Company

"Founded in 1993, Yoma Bank is Myanmar's most progressive domestic bank with over 3,000 employees and more than 80 branches across the country. With a mission to “Build a better Myanmar for its people” and financing the needs of Myanmar families and businesses, Yoma Bank offers savings products, a wide range of loans and business solutions to individuals, SMEs and local corporate clients to fund their business operations in Myanmar. With over 25 years of being a responsible bank, Yoma Bank has been consistently making significant investments in strategic priorities- people, technology and corporate governance.
All the operations led by the Bank are centered around its core values such as Customer, Integrity, Respect, Teamwork and Innovation. Yoma Bank has also established strong partnership with both local and international organisations leveraging strategic advantages in its services. Yoma Bank is the first local bank that welcomed foreign investments from global organisations such as GIC of Singapore, Norfund of Norway and IFC of the World Bank."

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