Credit Analyst (Monywar, Sagaing)

Early Dawn Microfinance

Early Dawn Microfinance Company Limited (“DAWN”) is a regulated microfinance institution that currently serves over 200,000 clients in 57 branches in Myanmar. It is a fast growing Institution with over 700 employees, with plans to expand to new regions, to serve additional segments of clients, with new and better products and services, to introduce innovations based on technology, and with an obvious need for additional departments and positions ( DAWN is registered under the Ministry of National Planning and Economic Development, and was granted a license by the Financial Regulatory Department to provide financial services to low-income clients as well as to small and medium businesses.


Sagaing Division   09 January 2020
Job Reference: MJ1569928690670

Credit Analyst (Monywar, Sagaing)

Job Descriptions

    Review and check applications conducted by IL loan officers.
    Ensure data and information is accurate and of acceptable quality.
    Check applicant’s eligibility criteria.
    Conduct site visits at client’s business premises (on a sample basis), to  verify the existence of clients and accuracy of the information captured by loan officer.
    Identify and verify outstanding information, and / or discrepancies in loan application
    Establish client Willingness and Capacity-to-Pay, as required in the Credit Process and Credit Evaluation Manual.
    Submit for approval/rejection loan applications to credit committee within approved mandate.
    Participate and facilitate credit analysis workshops and develop case studies.
    Periodically organize presentations on credit analysis of certain types of  businesses, to improve the technical knowledge of loan officers.
    Assist to IL Manager in setting quarterly and annually performance targets
    Perform other tasks as assigned by supervisor.


    University graduate in finance, economics, accounting or related field.
    Minimum  two years of successful working experience in microfinance or banking,  with some knowledge and experience in Individual Lending.
    Strong knowledge of microfinance financial analysis, with focus in Individual Lending.
    Excellent communication skills.
    Computer proficiency in word processing and spreadsheets.
    Strong financial analysis skills.
    Able to assess character of potential clients.
    Willingness to work in low-income neighborhoods and spend long time in the field.

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Salary description:
Medical Benefits & Insurance Other Benefits Working Days => Monday to Friday Training provided
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