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Credit Risk Underwriter Job



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Credit Risk Underwriter


Job Location: Lagos – Nigeria

Roles & Responsibilities
● Responsible for underwriting commercial loans and preparing presentations
● Takes decisions on credit applications under the supervision of senior underwriters
● Utilizes provided software to score credit applications.
● Establishes rapport; maintains and grows important relationships within the portfolio.
● Performs annual reviews.
● Works with the credit administrator on policies and procedures.
● Provides support for business developers on new customers
● Undertakes the analysis, evaluation, and underwriting of proposed credit facilities for customers and prospects.
● Assesses credit opportunities; identifies key risks, and structures alternatives working with relationship managers and credit officers.
● Responsible for preparing in-depth credit packages.
● Responsible for conducting research on borrowers and industries
● Takes ownership of the credit process, making decisions in the best interest of the customer and organization.
● Provides support to account officers on customer calls as needed
● Completes annual reviews, modifications, extensions, renewals, and new loan requests for customers with minimal required changes from the credit approve.
● Analyzes more complex credits with assistance from senior department staff.
● Applies experience with comparable credits to recommend appropriate covenants, terms and conditions, and structure for a credit request.
● Identifies policy exceptions within a credit request.
● Discusses risk ratings and the rationale for the determination of acceptable credits with the relationship managers (RM) and credit approvers.

● Requires a minimum of a Bachelor’s degree in Business, Finance, or Accounting
● 3 years of underwriting and analysis experience
● Having to complete a formal credit training program is an added advantage, one must possess the ability to comprehend complex commercial credit
● Good communication skills.
● Analytical Skills.
● Technically conversant and able to collaborate easily
● Computing languages knowledge is a plus

Interested and Qualified Applicant should send their CVs to: cc:
All applications in line with the key requirements must be submitted on or before the 12th of September 2022

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