Senior Credit Underwriter

About the Role Senior Credit Underwriter will underwrite SME, Mid-Corporate and Large Corporate lending applications that require manual underwriting within the Industry Sector. You will ensure lending remains within Risk Appetite and collaborate with the Head of Credit Risk Analytics and Chief Risk Officer to define lending thresholds and parameters to support growth. You will continually innovate credit risk management, leverage data sources, and work with Sales, Product and Data Engineering to support strategic product initiatives. What You'll Do

• End-to-end underwriting and adoption of best practices, including early lending discussions with Sales and development of credit approval memos for senior management and/or risk committee approval forums.
• Detailed review and due diligence of lending applications, including financial analysis, business projection modelling and viability, stress testing and other in-depth analyses required to sanction large-ticket loans.
• Monitor portfolio health, conduct regular credit reviews and ad-hoc deep-dives to continually assess portfolio performance.
• Drive positive change in the maturity of the underwriting framework and strategy.
• Interact with a broad range of functions to drive credit risk maturity across the business; facilitate risk initiatives and pilots by reviewing credit data.
• Conduct periodic reviews of individual bad debts. What We're Looking For
• 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).
• 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.
• Strong awareness of Compliance and the Regulatory environment within Nigeria.
• Demonstrable experience of underwriting best practice and standards.
• Relevant Skills
• Significant expertise underwriting large ticket (up to 5Bn NGN) SME/Large-Corporate loans within Nigeria in the industry sector (essential).
• Diligence and strong attention to detail.
• Data driven and logical thinker.
• Strong analytical skills.
• Excellent communication skills (verbal and written).
• An ability to work autonomously.
• An ability to use an analytical approach to problem-solving.
• Strong team player.
• High ethical and professional standards. Nice to Have
• (Not explicitly stated in the posting; no additional preferences provided.) Compensation & Benefits
• Culture: We prioritise well-being, value every opinion, and foster a supportive, human-centric environment.
• Learning: A learning- and development-focused culture with knowledge sharing, training, and internal technical talks.
• Compensation: Attractive salary, plus other benefits.