Credit Underwriter

Lagos - Nigeria

Monthly Salary: Not Disclosed

Posted on: 4 hours ago

Vacancies: 1 Vacancy

Job Summary

In partnership with our client we are seeking a Credit Underwriter who understands that every loan application tells a story and that the ability to read that story accurately is what protects the business and empowers the borrower. This is a role for someone who is analytical by nature detail-obsessed by habit and committed to making sound lending decisions that balance opportunity with risk. If you are someone who takes pride in getting it right every time we want to meet you.

Who are we looking for

You are an analytical thinker with a strong background in credit analysis or underwriting within a financial services environment.
You are highly detail-oriented able to spot inconsistencies in financial documents and credit reports that others might miss.
You are someone who understands credit risk frameworks and lending regulations and applies that knowledge confidently in your decisions.
You are a sound decision-maker able to recommend approval rejection or modification of loan applications with clarity and confidence.
You are a strong communicator who can work closely with sales teams to clarify loan structures and explain underwriting decisions.
You are organised and thorough maintaining accurate records and preparing clear credit assessment reports for management.

Your Responsibilities

You will review and analyse loan applications and supporting financial documents to assess viability.
You will evaluate applicants creditworthiness using financial statements credit reports and relevant data.
You will assess repayment capacity and identify potential credit risks before lending decisions are made.
You will conduct financial analysis for both individual and business loan applicants.
You will recommend approval rejection or modification of loan applications based on your findings.
You will ensure all underwriting decisions comply with internal credit policies and regulatory requirements.
You will prepare detailed credit assessment reports for management approval.
You will monitor approved loans to ensure compliance with agreed terms.
You will work closely with sales teams to clarify loan structures and support smooth client onboarding.
You will maintain accurate and up-to-date records of all credit assessments.

What Success looks like

Loan applications are reviewed thoroughly and decisions are made accurately and within agreed turnaround times.
Credit risk is consistently identified and assessed resulting in a healthy and well-managed loan portfolio.
All underwriting decisions are fully compliant with internal credit policies and lending regulations with zero compliance breaches.
Credit assessment reports are clear well-structured and consistently approved by management with minimal revisions.
Strong collaboration with the sales team results in smooth loan processing and positive client experiences.

To be considered for this role you should have

A Bachelors degree in Finance Accounting Economics or a related field.
Experience in credit analysis or underwriting within a financial services environment.
Strong analytical and financial assessment skills.
Knowledge of lending regulations and credit risk frameworks.
High attention to detail and sound decision-making ability.

Challenges you may face in this role

Navigating complex financial documents and identifying risks that are not always immediately obvious.
Balancing the pressure to support business growth through loan approvals while maintaining strict credit risk standards.
Keeping up with evolving lending regulations and ensuring every decision remains compliant.
Managing a high volume of loan applications while maintaining accuracy and thoroughness in every assessment.

The Goodies

Competitive salary and benefits package.
Opportunity for professional growth and development within the financial services sector.
A collaborative and performance-driven work environment.
Direct impact on the quality and health of the organisations loan portfolio.

In partnership with our client we are seeking a Credit Underwriter who understands that every loan application tells a story and that the ability to read that story accurately is what protects the business and empowers the borrower. This is a role for someone who is analytical by nature detail-obses...