Concept Group
Reviewing & analyzing the creditworthiness of all potential customers based on risk criteria.
Performing various departmental functions including loan covenant monitoring, risk rating, audit preparation and recovery when assigned by HOD
Reviewing application for credit facilities with a view to pint out deviations from the company’s credit policy and highlight quality assurance issues in credit proposals received from business areas.
To evaluate all quantitative details in the applications with a view to make objective decisions based on empirical facts from financial information evaluated.
Generating and ensuring that all reports as regards Underwriting and Collections are efficiently and effectively carried out
Implementing policies to guide the activities in Underwriting and Collections and Recovery
Ensures turn-around time for each transaction is minimized to the barest minimum.
Ensures the credit worthiness of each transaction especially those above the level of junior underwriter by preparing, reviewing and analyzing risk criteria of potential customers
Develops and implements strategies for effective credit assessment
Reviews application of credit facilities and pointing deviations from the company’s credit policy.
Highlights quality assurance issues in credit proposals received from business areas.
Ensuring client details, loan amounts, interest rate, guarantor’s details are appropriately booked
To communicate to the business areas the credit corners and the quality assurance issues for responses/resolutions.
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.
Job Requirements
A minimum of 7 years progressive experience in Underwriting.
B.Sc qualification in any Risk or Finance related course.
Skills and requirements:
Exceptional organizational skills.
Excellent numeracy savvy.
Great creative, visionary, and critical thinking skills.
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