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SME Credit Underwriting Manger

Yoma Bank

SME Credit Underwriting Manger

Yoma Bank
Recruiter active 3 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.
17 Jan 2023

Experience level


Job Function

Finance, Accounting, Audit

Min Education Level

Bachelor Degree

Job Description


Since SME businesses are backbone of the country’s economy, Yoma Bank prioritizes to offer a number of SME loans product with fast and straightforward financing to support SME business owners.  

Main responsibilities are to determine whether the bank should engage in a lending relationship with prospective clients active in SME sector in Myanmar.  




Working along with branches and Regional Sales Capabilities Mangers, SME underwriting managers’ responsibilities include:  

  • Manage a team of SME credit analysts who will carry out detailed credit analysis on SME lending opportunities  

  • Ensure credit applications, preparing financial data entry for underwriting and analysis are processing and articulating within agreed turnaround time (“TaT”)  

  • Presentation of credit applications at respective Credit Committee, if necessary 

  • Maintaining complete client records including the filing of credit approvals, relevant client correspondence 

  • Monitoring outstanding exposure (portfolio management) and timely report any deviations or trend that could impact in expected results, identify causes and gaps 

  • Provide quantitative support for credit reporting, marketing, lending, and product development as required 

  • Conduct regular coaching & training sessions to the team members to improve on credit assessment  

  • Stakeholder management including internal , external customers, audits and regulators  

  • Perform other credit and risk related tasks as assigned on ad-hoc basis  

Open To


Job Requirements

  • University degree in accounting / finance / economics or otherwise quantitative field 
  • At least 3-5 years of relevant experience  
  • Previous experience in Banking and/or MFI environment or is an advantage  
  • Strong analytical skills;  
  • Thorough understanding of financial statements and related accounting policies;  
  • Strong cross-cultural communication skills;  
  • Effective business writing and professional communication skills  
  • Able to meet deadlines and be held accountable.  
  • Can communicate to all level of person in and out of organization.  
  • Fluent in English and Burmese both writing and speaking 

What We Can Offer


• Ferry Provided
• Mobile Phone Allowance
• Life Insurance
• Limited Medical Cover


• Empowered Working Environment
• Diverse Team

Career Opportunities

• Learning and Development Platform
• Opportunities to Explore Multiple Career Paths

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 29 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."