Credit Analyst (Thaton)

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 (www.dawn.com.mm). 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.

                                                                            

Mon State   30 January 2020
Job Reference: MJ1580380560758

Credit Analyst (Thatone)

JOB PURPOSE

The Credit Analyst is responsible, in some
cases even through personal visits, for checking and assessing the
capacity of repayment of new and existing loan applicants. Participates
in credit committee meetings to enhance the decision making process to
extend credit to these clients, and is in charge of developing the
credit knowledge and credit skills among the members of the Branch.

Job Description


    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.


PERSON SPECIFICATIONS

    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 Life Insurance Working Days -> Mon - Fri
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