Job Title: Credit underwriter
Department: Operations
Location: Lekki Phase 1 (must live in or around Lekki)
Company Brief: Financial Services – Loans and Financial Services
Primary Objective: To evaluate, authorize approval or deny loan applications for people or for business. You will act as liaison between customers and our financial institution to help qualified applicants acquire loans in a timely manner.
Responsibilities:
· Evaluate credit worthiness by processing loan applications and documentation within specified limits.
· Interview applicants to determine financial eligibility and feasibility of granting loans.
· Determine all applicable ratios and metrics and set up debt payment plans.
· Communicate with clients either to request or to provide information.
· Justify decisions (approvals/rejections) and report on them.
· Complete loan contracts and counsel clients on policies and restrictions.
· Update job knowledge on types of loans and other financial services.
· Maintain and update account records.
· Assess customer needs, explore all options, and introduce different types of loans.
· Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas.
· Go the “extra mile” to build trust relationships, customer loyalty and satisfaction throughout the underwriting process.
· Operate in compliance with laws and regulations and adhere to lending compliance guidelines
Knowledge, Skill and Abilities
· Intermediate use of Microsoft Office - Excel, Word PowerPoint.
· Familiarity with computers and banking applications/software.
· Solid understanding of direct/indirect lending products and practices.
· Excellent communication and interpersonal skills.
· Customer satisfaction orientation and sales competencies.
· Ability to work in a goal-oriented environment.
· BS degree in finance, economics, or a related field.
Experience:
Over 4 years’ experience in a consumer Lending company
Job Type: Full-time
Pay: ₦200,000.00 - ₦250,000.00 per month