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ROLE PURPOSE

To support the credit risk function by conducting thorough risk assessments of corporate loan proposals, identifying key credit risks, and ensuring alignment with the bank’s risk appetite and credit policy. The role plays a critical part in maintaining the quality of the corporate loan portfolio by providing objective analysis, recommending appropriate risk mitigants, and assisting in the formulation of credit opinions for informed decision-making.

KEY RESPONSIBILITIES

• Manage and review credit requests from Corporate Banking and MFI teams, ensuring timely and effective credit assessment in line with Yoma Bank’s credit policies and AWS.

• Review and assess credit applications, credit reports and other product portfolio documents in alignment with Yoma Bank’s credit policy standards and AWS.

• Analyze and identify potential risks related to credit, financial, and market conditions, whilst considering the opportunities.

• Conduct physical on-site verifications on a case-by-case basis as required.

• Maintain a strong working relationship with the stakeholders throughout the credit value chain.

• Consolidate the risk assessment findings and submit a recommendation to the approving authority (including ECC level files) in a timely manner.

• Prepare credit approval letters with quality and accuracy.

• Engage with the frontline and ensure that approval conditions are managed appropriately.

• Coordinate with Relationship Managers (RMs) to receive and verify required credit decision documents as pre-disbursement conditions and provide confirmation to the CRD Documentation Team for further processing.

• Ensure that credit related items and other related documentation are filed in the respective document management systems.

• Periodical update of the credit file processing pipelines, pending list and other departmental reporting instruments.

Documents Control and ECC File Submission & Presentation

• Review and coordinate ECC file submission to ensure completeness and alignment before presenting to ECC.

• Present credit proposals during ECC meetings and record key discussions, decisions, and action points.

• Prepare, review, and finalize ECC meeting minutes in coordination with relevant stakeholders.

• Circulate approved ECC minutes to relevant departments and maintain proper records in designated storage systems.

Industry Updates, Regulatory Monitoring & Stakeholder Support

• Monitor economic, market, and industry updates to gather relevant information supporting credit assessment and risk management.

• Review and assess the impact of new laws, regulations, and regulatory changes on credit customers and loan portfolios.

• Support the Recovery & Collection team by providing relevant information and documentation for corporate credit matters.

Knowledge & Skills         

Essential 

• Strong understanding of credit risk principles, credit grading models, and risk-return analysis.

• Proficient in analyzing financial statements (balance sheet, income statement, cash flow) and interpreting key financial ratios.

• Awareness of macroeconomic and industry-specific risks affecting corporate borrowers.

• Familiarity with internal credit policies, central bank regulations.

• Ability to identify key risks, assess borrower repayment capacity, and recommend appropriate risk mitigants.

• Strong credit memo/report writing skills in a clear, concise, and structured manner.

• Accuracy in data analysis, financial interpretation, and credit documentation.

• Good communication and interpersonal skills to coordinate with business, legal, and operations teams.

• Proficiency in MS Excel, Word.        

Education & Special Training   

• Bachelor’s degree in any field or certification of accounting, Finance, Banking, Economics, or a related field.

Experience

Essential  

• Minimum 3 years of experience in corporate credit analysis, credit risk, or corporate lending.

• Prior exposure to credit proposal assessment, client due diligence, and financial statement analysis are essential.

• Experience working with large corporates, conglomerates, or sector-specific clients (e.g., real estate, manufacturing, trading) is a plus.

Languages

Essential  

• Strong written and verbal communication skills in English language for preparing credit reports and engaging with internal stakeholders.

• Proficiency in Myanmar language to communicate local clients and document review.

Desirable

• Knowledge of any additional regional languages is a plus.