Job Summary
We are looking to hire a Credit Underwriter who would assess and make decisions on customer credit applications using a range of criteria including purpose of application, credit viability, customer payment history and customer credit-worthiness.
Responsibilities

Reviewing and analyzing the creditworthiness of all potential customers based on risk criteria.
To evaluate all quantitative details in the applications with a view to make objective decisions based on empirical facts from financial information evaluated.
Reviewing application for credit facilities with a view to point out deviations from the company’s credit policy and highlight quality assurance issues in credit proposals received from business areas.
Performing various departmental functions including loan covenant monitoring, risk rating, audit preparation and recovery as assigned by HOD.
To evaluate all quantitative details in the applications with a view to make objective decisions based on empirical facts from financial information evaluated.
Ensuring that all credit approvals, KYC are in place documentation is duly executed and that the company’s interest is well protected.
Conducting credit search (CRS & CRC Report) on credit bureau database.
Conducting Email Verification & preparing Transaction Consummation Report.
Reviewing transactions for final checklist and approval.

Qualifications

BSc in Accounting, Banking & Finance, Marketing or any other related field.
Minimum of 2 years’ experience in credit underwriting and loan disbursement from a Digital Lender or Microfinance Bank.
A good knowledge of the micro-credit and SME loan industry, with hands-on experience with lending procedures and products.
Excellent analytic, numerical, organizational, critical thinking, logical reasoning, communication and presentation skills.

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