• Application Deadline:
• Position: SME Underwriter



• Job Type Full Time , Hybrid



• Qualification BA/BSc/HND



• Experience 3 years



• Location Lagos




• Job Field Insurance 
  
  

Description

• Evaluate SME and corporate loan applications by analyzing financial statements, cash flow, business models, and creditworthiness.


• Identify and assess key risks (financial, industry, management, collateral) and recommend appropriate mitigants.


• Structure credit facilities in line with the borrower's needs and the bank’s risk appetite, including terms, pricing, and security requirements.


• Draft detailed credit proposals or memos with clear justifications, risk analysis, and recommendations for approval.


• Liaise with relationship managers, legal, and risk teams to coordinate customer due diligence, site visits, and validation of submitted documents.


• Monitor assigned portfolio performance, ensure covenant compliance, and flag early warning signs or deterioration in credit quality.


• Ensure all credit evaluations and decisions adhere to internal policies, regulatory guidelines, and credit approval frameworks.


• Assess adequacy and enforceability of collateral, and work with legal to ensure proper documentation and perfection.


• Collaborate with Relationship Managers, Credit Committee, and other internal stakeholders to drive timely and sound credit decisions

Requirements

• Proven experience in SME underwriting and credit risk assessment, with at least [3] years of experience in SME/Corporate credit analysis.


• Commercial banking experience as a credit analyst would be a plus.


• Strong analytical skills with the ability to interpret financial statements, assess creditworthiness, and make data-driven lending decisions.


• In-depth knowledge of lending regulations, risk management principles, and best practices in underwriting.


• Excellent interpersonal skills, effective communication skills, both verbal and written, with the ability to articulate complex financial concepts to non-financial stakeholders.


• A strategic mindset with a keen focus on portfolio performance and risk management.

Benefits

• You’ll receive competitive compensation and work with amazing people.


• You’ll work in a beautiful environment with a flat structure and solve complex, real-world challenges