ROLE PURPOSE

A SME Assistant Manager (Credit Risk Analysis) will be primarily monitoring of those Credit Analyst files submitted by team and in order to well-provide the decision makings and proposals to Senior Managements. Assistant Manager also willing to accomplish various kinds of projects and aggressively supportive to liaise with other Departments.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Monitoring of underwrote credit files to assess the financial conditions, repayment capacity and risks associated with personal cash flow, business cash flow and related financial statements.
• Efficiently training the team members how to analyze the Financial Statements, Bank Statements, Sales Invoices, Business activities of Credit Customers to evaluate the degree of risk involved in lending money to them
• Effectively communicate results of the underwriting in a written / verbal presentation for reviews regarding to Risks by the Credit Committee and Senior Management.
• Assure all analysis and underwriting adapt to credit policy, banking regulations.
• Perceptive to those responsibilities of accountable, monitoring and provide training to enhance team members’ performance and of course to the Department’s.
• Problem-solving is also vital in Credit Managements and communicate with internal or external stakeholders
• Perform additional assignments as necessary and willing to assist Senior Managers and Leadership’s appetite.

STRATEGIC COMPETENCIES

LEADERSHIP

• Supervise work of the team members and ensure delivery of tasks in timely manner
• Lead by good example
• Organize work into manageable tasks
• Coach and inspire the team
• Demonstrate continuous improvement
• Deputize for Manager
• Take accountability for self-development
• Share best practices

RELATIONSHIP BUILDING

• Build and manage effective relationships with functional teams and other Business Units
• Create a climate of openness and trust in which people can freely speak out
• Recognize potential conflicts within own working relationships and facilitates the negotiation of mutually beneficial outcomes
• Proactively develop rapport with key customers

COMMUNICATION SKILLS

• Effectively communicate and influence across the team
• Tailor content and style to connect with all employees in English and Myanmar
• Communicating change with conviction
• Demonstrate SPEAKING OUT
• Ask for clarity to ensure own understanding
• Give constructive feedback to improve performance

RESULTS ORIENTATION

• Use time efficiently; adapt plan when changes occur
• Prioritize tasks based on importance including Risk
• Help others maintain focus and overcome obstacles
• Receptive to and implement suggestions for improvement; ask for feedback

PROBLEM SOLVING

• Build upon analysis provided to make informed decisions
• Recommend possible solutions and escalate appropriately

Knowledge & Skills

Essential

• Consistently work on various projects, self-reliantly and achieved required objectives and manage team in the limited.
• Ability to work within a team environment, interact with peers and management within the bank as well as with the other departments

Desirable

• Knowing Financial Analytical Ratios in accordance of Credit risk is plus

Education & Special Training

Preferred

• Holders of University Degree in Accounting/ Finance/ Economics or other Quantitative fields.

Experience

Preferred

• Minimum 3 to 5 years work experience conducting in Analysis/ underwriting of commercial loans

Languages

Essential

• Excellent verbal and written communication skills besides strong analytical, problem solving and presentation skills.
• Proficiency in English presentation and communication