About the Role
Rosabon Financial Services Limited, Nigeria's leading financial intermediary and equipment leasing firm and a subsidiary of Concept Group Nigeria, is seeking a driven and analytical Credit Underwriter Executive. In this role, you will be pivotal in safeguarding our financial assets by rigorously evaluating credit applications, mitigating overall credit risk, and ensuring strict adherence to internal policies and regulatory requirements. Operating within our Credit Risk function, you will collaborate closely with sales, legal, and audit teams to facilitate secure, sound lending decisions that support our mission of delivering innovative financial solutions across diverse economic sectors in Nigeria.
Key Responsibilities- Review and analyze the creditworthiness of potential customers based on established risk criteria and empirical financial data.
- Evaluate credit facility applications to identify deviations from company credit policy and highlight quality assurance issues.
- Communicate credit concerns, required amendments, and quality assurance resolutions effectively to relevant business areas.
- Ensure all credit approvals and Know Your Customer (KYC) requirements are fully met and documentation is properly executed.
- Conduct thorough credit bureau searches (CRS and CRC reports), email verifications, and prepare Transaction Consummation Reports.
- Perform comprehensive departmental functions including loan covenant monitoring, risk rating, audit preparation, and recovery tasks as assigned.
- Bachelor's Degree in Finance, Accounting, Economics, Statistics, Mathematics, or a related quantitative field.
- 2 to 4 years of proven professional experience in credit underwriting within the financial services, banking, or fintech sector.
- Strong analytical, investigative, and negotiation skills with a keen eye for detail.
- Deep understanding of credit risk management, regulatory requirements, and lending compliance in Nigeria.
- Exceptional communication and interpersonal abilities for cross-functional collaboration.
- Competitive salary and performance-based incentives aligned with industry standards.
- Comprehensive health insurance coverage for you and your dependents.
- Opportunities for professional development, continuous learning, and clear career progression.
- A collaborative, innovative, and dynamic work culture rooted in strong ethical values.