- 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
- B.Sc 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.
