ROLE PURPOSE

To carry out detailed credit risk analysis and vetting of SME loan files, ensuring compliance with Yoma Bank credit policies, CBM regulations, and legal requirements. The role supports the maintenance of portfolio quality by identifying risk factors, recommending mitigations, and preparing risk comments for approval.

KEY RESPONSIBILITIES

• Responsible for analyzing and vetting SME loan files, identifying business, financial and collateral risks, and ensuring compliance with bank and CBM policies..
• Communicate with stakeholders (SME Business Team, Legal and Branches) to get a better understanding of different risks associated with relevant loan files.
• Prepare risk comments and recommendations with clear Terms & Conditions; manage loan documentation, and support audits and compliance reviews.
• Handle interim loan requests, monitor industry trends, and assist the Head of Department in special assignments.
• Make informed decisions based on the information that is relevant, current and clear.
• Ad-hoc duties assigned by HOD/Team Lead.

QUALIFICATIONS REQUIRED 

Knowledge & Skills                  

• Good understanding of financial statements.
• Good understanding of credit analysis and key risks associated with commercial lending. 
• Excellent verbal and written communication skills besides strong analytical, problem solving and presentation skills .
• Proficiency in English Presentation and Communication highly desirable.
• Give constructive feedback to improve performance.

Education & Special Training   

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

Experience

• Minimum 3 years’ work experience conducting in Analysis/ underwriting of commercial loans.

Languages

• Myanmar Native Speaker 
• Ability to communicate (verbal and written) in English shall be the advantage.