Credit Analyst (Lewe + Kyauktaga)

Early Dawn Microfinance Company Limited (“DAWN”) is a regulated microfinance institution that currently serves over 270,000 clients in 69 branches in Myanmar. It is a fast-growing Institution with over 1,000 employees, with plans to expand to new regions, serve additional segments of clients, with new and better products and services, 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 Planning and Finance, 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.

(For Myanmar National Only)

JOB PROFILE

Job Title
: Credit Analyst
Location
: Lewe + Kyauktaga
Number of Positions
: 1
Type of Contract
: Open
Reports to
: Deputy Individual Lending Manager (DILM)
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 are accurate and of acceptable quality.
  • Check the applicant’s eligibility criteria.
  • Conduct site visits at the client’s business premises (on a sample basis), to verify the existence of clients and the accuracy of the information captured by the loan officer.
  • Identify and verify outstanding information, and/or discrepancies in the 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

  • Myanmar national.
  • 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 a focus in Individual Lending.
  • Excellent communication skills.   
  • Computer proficiency in word processing and spreadsheets.
  • Strong financial analysis skills.
  • Able to assess the character of potential clients.
  • Willingness to work in low-income neighborhoods and spend long time in the field.
 To Apply 

Interested and qualified candidates are requested to send an Application Letter, Curriculum Vitae to: jobs@dawn.com.mm or Human Resources Department, No.587, 3rd Floor, The Regency Offices, Pyay Road, 2nd Ward, Kamayut Township, Yangon not later than 5 P.M. 20th, September, 2022 (Thursday).                      

Note: Candidates are also requested to mention in the applications if there is, a blood/marriage relationship with the existing DAWN employees and please identify two reference persons. No requirement for photos or copies of certificates and only short-listed candidates will be contacted.

To apply for this job email your details to jobs@dawn.com.mm

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