Senior Credit Underwriter
AI summary
Moniepoint Incorporated is hiring a Senior Credit Underwriter to manage SME, Mid-Corporate and Large Corporate lending applications requiring manual underwriting. The role focuses on credit risk management, portfolio monitoring, financial analysis and supporting strategic product initiatives within the financial industry sector.
- Manual underwriting of SME, Mid-Corporate and Large Corporate loans up to 5Bn NGN
- Requires significant experience from a leading Nigerian financial institution
- Focus on financial analysis, stress testing and credit approval memos
- Collaboration with Sales, Product and Data Engineering teams
- Learning-focused culture with emphasis on training and development
AI job guide
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AI salary guide
Not enough public dataNot enough public salary data is available for this exact role. Before applying, prepare to ask about gross pay, benefits, contract length, probation period, transport and any allowances.
Can you qualify for this role?
- UnclearRelated work experienceThe text mentions experience, but the exact level should be confirmed at source.
- RequiredEducation or certification mentioned in the postThe captured text mentions education, a diploma, certificate, or licence.
- PreferredPractical evidence in sales, internship, financeThe tags and summary point to skills connected with this role.
- RequiredAvailability to work in Not specifiedThe vacancy is associated with this location.
Documents to prepare
- Likely requiredUpdated CV
- Role specificCover letter or short employer message
- OptionalProfessional references
- Role specificAcademic or professional certificates
- VerifyID or passport only after verifying the employer
Application tips for this job
- Place your strongest Senior Credit Underwriter evidence in the first half of your CV.
- In your cover letter or employer message, connect your experience to Moniepoint Incorporated and the role in Not specified.
- Add concrete examples related to sales, internship, finance, ideally with measurable outcomes or clear responsibilities.
- Follow the instructions from Jobzilla Nigeria; avoid sending documents to unofficial contacts or copied links.
- Confirm the deadline, interview location and employer contact before sharing personal documents.
- Prepare a polite question about pay, benefits and contract terms for later interview stages.
Source and safety check
- Jobzilla Nigeria
- Original source link available
- Application method is clear
- Deadline not specified
- No major risk signal was detected in the captured text.
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Interview preparation
- What experience makes you a strong fit for this Senior Credit Underwriter role in sales, internship?
- How have you handled responsibilities similar to those in this job post?
- Are you available to work in Not specified under the listed contract or schedule?
- Prepare examples with clear responsibilities, tools used and measurable outcomes.
- Review the source and research Moniepoint Incorporated before the interview.
Ask what the first priorities will be in the role and how success will be measured.
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Original source description
You will also be responsible for ensuring lending remains within Risk Appetite and that performance is maintained within agreed target loan loss levels. Reporting to the Head of Credit Risk Analytics you will also be expected to continually innovate and identify areas of risk and opportunity within your portfolio, leveraging key data sources and indicators, whilst also leveraging your subjective matter expertise to ensure effective on-going credit risk management of the portfolio. In addition, you will work with the Head of Credit Risk Analytics and Chief Risk Officer to continually assess and define lending thresholds and parameters to ensure a balanced risk-based approach that also supports business growth objectives. You will also work closely with a range of business partners, including Sales, Product and Data Engineering teams to support new strategic product initiatives to drive the growth objectives of the business. Senior Credit Underwriter will underwrite all SME, Mid-Corporate and Large Corporate lending applications that require manual underwriting within the Industry Sector. Key Responsibilities: Drive positive change in the maturity of the underwriting framework and strategy.. Responsible for the monitoring and portfolio health of the sector and conducting regular credit reviews and ad-hoc deep-dives to continually assess portfolio performance. Detailed review and due diligence of lending applications, including financial analysis, business projection modelling and viability, stress testing and other in-depth analysis required to support the sanctioning of large-ticket loans. Conducting periodic reviews of individual bad debts. Facilitating Risk initiatives and pilots by reviewing credit data. Continual interaction with a broad range of functions and stakeholders to drive credit risk maturity across the business. Education: and adoption of best practices in credit analysis, underwriting and monitoring, including the end-to-end underwriting process, right from early lending discussions with Sales teams to the development of credit approval memos for senior management and/or risk committee approval forums.. Requirements: Significant experience: underwriting SME and Large Corporate loans likely gained from a leading Financial Institution within Nigeria and primarily for businesses within the financial industry sector (must have). Highly experienced in the end-to-end underwriting process for large ticket loans up to 5Bn NGN (must have). Strong awareness of Compliance and the Regulatory environment within Nigeria. Expert in the financial assessment of SME and Large Corporates using a broad range of data sources (e.g. Financials, Audited Accounts and Bank Statements etc.). Expert in understanding headwinds and opportunities within the industry sector and must have detailed knowledge of macroeconomic and regulatory factors impacting this sector. Experienced in the assessment of collateral and covenants to mitigate risk across secured and unsecured lending. Demonstrable experience: of underwriting best practice and standards. Relevant Skills: Diligence and strong attention to detail. An ability to work autonomously Excellent communication skills (verbal and written). Strong team player. High ethical and professional standards. Strong analytical skills An ability to use an analytical approach to problem-solving Significant expertise underwriting large ticket (up-to 5Bn NGN) SME/Large-Corporate loans within Nigeria in the industry sector (essential). Data driven and logical thinker. What we can offer you Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks. Culture - We put our people first and prioritise the well-being of every team member. We’ve built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human. Compensation - You’ll receive an attractive salary, plus other benefits. How to Apply Interested and qualified candidates should: Click here to apply online What to expect in the hiring process A preliminary phone call with one of our recruiters. A technical interview with the Head of Credit Risk A behavioural and technical interview with a member of the executive team. An interview with a Business lead View all Jobs in Nigeria Lagos State