တိုင်ကြားမှု အောင်မြင်ပါသည်

ROLE PURPOSE (Assistant Manager - Hindsight Review)

• It will be primarily responsible for providing an objective assessment of the overall credit granting process to the management. The adequacy of compliance with and adherence to internal bank credit policy, guidelines and credit process and procedures at each stage of a credit value chain to be addressed.  

KEY RESPONSIBILITIES

• Conduct random post-approval loan reviews to ensure compliance with Bank’s Credit Policy and Procedures. 

• Visit branches to verify loan documentation, file management, and safe-keeping as per credit approval terms. 

• Perform borrower site visits to assess compliance with credit guidelines and verify collateral, business premises, and documentation. 

• Confirm credit facility usage aligns with approval terms and verify supporting documents like photos and business details. 

• Ensure timely collection of service charges/fees by verifying branch and account activities. 

• Assess credit proposal quality, risk assessments, site visit findings, and document accuracy, including KYC and policy compliance. 

• Monitor post-disbursal compliance, including insurance, collateral registration, and due date tracking. 

• Suggest process improvements to enhance customer experience and operational efficiency. 

• Organize monthly lessons learned sessions and present them to respective business, operations and credit functions responsible for originating credit. 

• Report observations and updates on treatment plans to the credit committee on regular basis. 
• Any other duties as assigned by Team Lead/HOD.

Education & Special Training  

• University degree in Accounting / Finance / Economics / Engineering or otherwise quantitative field

Experience 

• Minimum 3 years’ work experience conducting in Credit Analysis/ underwriting/documentation 

Knowledge & Skills  

• In-depth knowledge of lending processes in banking 
• Strong analytical and problem-solving abilities 
• Effective verbal and written communication skills 
• Advanced skills in Excel 
• Demonstrate SPEAKING OUT 
• Strong English presentation skills 
• Focus on achieving Results  

Languages

• English and Burmese