04/08/2026
"Century Finance" ၏ မန္တလေးနှင့် ဧရာဝတီတိုင်းဒေသကြီးတို့တွင် တာဝန်ထမ်းဆောင်ရန်အတွက် Credit & Underwriting Manager များအား ဖိတ်ခေါ်အပ်ပါသည်။
Credit & Underwriting Manager (2 Posts)
▪️Salary- Negotiate
▪️Other Allowance: Attractive Payment + Transportation + Phone Bill + Medical allowance (Health Insurance)
▪️Incentive: Yearly Incentive
▪️Increment: Every end of the financial year (Once Per Year)
▪️Office Off Day: Saturday, Sunday and Public Holidays
Job Summary
The Credit Underwriting Manager leads the credit evaluation process to ensure high-quality portfolio growth while minimizing credit risk. This role involves supervising complex credit assessments, enforcing internal and central bank compliance frameworks, and delivering objective, data-backed loan recommendations to the Loan Management Committee. The ideal candidate balances rigorous traditional risk analysis with modern efficiency standards, ensuring fast turnaround times (SLA/TAT) without compromising risk integrity.
Core Responsibilities
1. Credit Underwriting & Strategic Risk Assessment
- High-Value Evaluations: Personally review and oversee complex, high-exposure commercial and individual credit proposals.
- Analytical Rigor: Highly proficient in modeling cash streams and interpreting complex balance sheets/income statements under volatile economic situations.
- Capacity Assessment: Loan sizing must be based strictly on verified, active cash flow with a minimum debt service coverage buffer.
- Collateral & Guarantor Verification: All guarantors must undergo formal vetting to verify their capacity and willingness to pay in the event of primary borrower default.
- Client Orientation: Credit Underwriting Manager must conduct a mandatory pre-disbursement briefing emphasizing exact repayment schedules and the consequences of late payment.
Proactive Monitoring & Pre-Due Protocol, Collections are managed proactively before the actual due date arrives.
- Advanced Financial Analysis: Conduct deep financial forensic reviews, including cash flow analysis, trend assessment, and debt-service coverage ratio (DSCR) modeling.
Risk Modeling & Mitigation: Apply credit grading models to assess borrower repayment capacities and structure creative, robust risk mitigants against shifting market and industry conditions.
- Industry Trends: Strong awareness of micro- and macro-economic factors impacting core business sectors, as well as emerging alternative lending risk methods & Skills.
2. Team Leadership & Workflow Operations
- Pipeline Management: Manage day-to-day underwriting workflows, distribution, and submission timelines to meet company Service Level Agreements (SLAs).
- Mentorship & Upskilling: Coach, develop, and mentor junior credit analysts/underwriters, improving overall credit writing standards and loan evaluation accuracy.
- Escalation Point: Serve as the final authority and guide for complex credit structures, unique business profiles, or exception requests.
3. Verification, Governance & Compliance
- Regulatory Liaison: Maintain up-to-date alignment and open working relationships with regulatory authorities and central bank directives.
- Field Verifications: Coordinate and execute 100% physical on-site verifications on a case-by-case basis to validate active business operations and detect potential fraud.
- Committee Support: Author premium-quality, structured credit approval papers and defend data-backed decisions directly to the Loan Management Committee.
- Pre-Disbursement Validation: Collaborate cross-functionally with operations, legal, and compliance teams to verify that all approved credit decisions and pre-disbursement conditions are perfectly cleared.
Job Requirements & Qualifications
Experience & Technical Background
- Lending Experience: 8+ years of experience in commercial underwriting, credit analysis, or financial services.
- Leadership Track Record: 5+ years of experience managing, leading, or supervising credit teams preferred.
- Regulatory Mastery: Thorough, practical understanding of local central bank regulations, internal credit policy frameworks, and trade credit risks.
- Cross-Functional Diplomat: Excellent negotiation, presentation, and communication skills to balance growth metrics with quality outstanding and tight bad-debt tolerances (Risk management).
- Proficient in Microsoft Word, Excel and email communication.
- Ability to communicate in English (both verbal and written) is an advantage.
လျှောက်ထားနိုင်သည့် နည်းလမ်းများ
Viber: 09 960 661 964
Email: [email protected]/[email protected]
Direct: Century Finance ရုံးသို့ လူကိုယ်တိုင် လာရောက်လျှောက်ထားနိုင်ပါသည်။
