ROLE PURPOSE

As a dedicated valuation team member of Centralized Valuation Team (CVT), the incumbent is to ensure the accuracy, reliability, and consistency of property valuations that will be used in credit decision-making, by reviewing Yoma Bank External Assessors’ Reports, benchmarking with internal and market data, and recommending a fair and supportable valuation in line with Yoma Bank’s policies, regulatory guidelines, and market conditions.

KEY RESPONSIBILITIES

• Once assigned a case as a Case-Owner, review the title document, check the customer profile, assign a suitable External Assessor to conduct site visit for valuation assessment.
• Arrange and coordinate between stakeholders: Requestor (Relationship Manager/Branch), External Assessor and related Branch Team until the complete documentation, title-review, site visit and assessor report are completed in stipulated time-frame.
• Scheduling the time-frame of valuation from being assigned a case, assign suitable assessor timely, inquiry from internal and external data sources until the recommended valuation is formally reverted back to business.

• Verify the Title document and actual property address and highlight if title-related or discrepency between Form 105/106 and Physical Property Compound is dected. 
• Check completeness and accuracy of valuation reports submitted by external assessors.
• Ensure reports follow Yoma Bank’s documentation standards and basic valuation principles.
• Flag discrepancies or missing information for further review.
• Gather property price data from public sources, real estate agents, social media and internal databases.
• Maintain updated records and trends of land values, rental rates, and transaction benchmarks.
• Report and document the Recommended Valuations.
• Assist in compiling market comparable for valuation validation.
• Assist in preparing valuation summaries and worksheets for credit team review.
• Input assessor report and recommended valuation data into internal database.
• Support the Assistant Manager/ Team-Lead in preparing recommendations for final valuation.
• Maintain records of approved external assessors and valuation reports.
• Ensure compliance with internal policies and CBM (Central Bank of Myanmar) guidelines.
• Support audit and regulatory reviews with required documentation.

QUALIFICATIONS REQUIRED 

Knowledge & Skills                  

• Familiarity with credit risk and loan documentation is a plus.
• Good reporting and analytical skills, attention to details.
• Proficient in Microsoft Office (Email, Excel, Word and Power Point)
• Understanding of Title Documents, Title Transfer processes, Government/ Regulator Policy and Guidelines.
• Good understanding of property valuation methods and market trends.
• Strong knowledge of Myanmar’s property market and valuation methodologies, costing of buildings made of different materials.
• Familiarity with valuation standards such as IVS, IFRS 13, and Central Bank regulations is a plus.
• Analytical skills with attention to detail and accuracy.
• Proficiency in Microsoft Excel, Word, basic Data Analysis and Database tools
• Strong integrity, professionalism, and ability to manage sensitive information confidentially.

Education & Special Training   

• Bachelor’s degree in Business, Finance, Accounting, Civil Engineering, Real Estate, or related field.
• Certified Training of AML/CFT, Real Estate from professional Real Estate Association in Myanmar is desirable.

Experience

• 4 to 6 years of working experience with a minimum of 3 years of working experience in the Banking and Finance Industry perferably with Core Banking systems, in property valuation, real estate market analysis, or a related field.
• Good working experience in Real Estate field.

Languages

• Excellent communication in Burmese.
• Good English and Burmese writing skill.