Job Title: Credit Underwriter
Location: Yaba, Lagos
Employment Type: Full-Time
Company: The Concept Group
About The Concept Group:
The Concept Group is a leading holding company established in 1992, with subsidiaries that include Rosabon Financial Services (Nigeria’s premier financial intermediary and equipment leasing company), Concept Nova (a bespoke enterprise IT solutions provider), and Percy Aitkins (a Bureau De Change). With a strong reputation for innovation and excellence, The Concept Group is committed to delivering exceptional financial and technology solutions to its clients.
Job Summary:
The Concept Group is seeking a detail-oriented and analytical Credit Underwriter to join our team in Yaba, Lagos. In this role, you will be responsible for assessing the creditworthiness of potential customers, ensuring compliance with the company’s credit policies, and protecting the company’s interests through thorough due diligence and risk evaluation. The ideal candidate will have a strong background in credit analysis, excellent attention to detail, and the ability to make data-driven decisions.
Key Responsibilities:
- Review and analyze the creditworthiness of potential customers based on established risk criteria.
- Perform departmental functions such as loan covenant monitoring, risk rating, audit preparation, and recovery tasks as assigned by the Head of Department (HOD).
- Conduct due diligence on potential clients to ensure accuracy and authenticity of information.
- Review credit facility applications, identifying deviations from the company’s credit policy and highlighting quality assurance issues.
- Evaluate quantitative details in applications to make objective decisions based on financial information.
- Communicate credit concerns and quality assurance issues to business areas for resolution.
- Detect and flag fraudulent applications with falsified or forged documents.
- Ensure all credit approvals, KYC documentation, and legal requirements are in place to protect the company’s interests.
- Conduct credit searches (CRS & CRC Reports) on credit bureau databases.
- Verify emails and prepare Transaction Consummation Reports.
- Review transactions for final checklist and approval.
Requirements:
- Relevant qualifications in Finance, Accounting, Business Administration, or a related field.
- Minimum of 2 years of experience in credit underwriting, risk assessment, or a related role.
- Strong analytical and decision-making skills.
- Excellent attention to detail and ability to detect discrepancies.
- Proficiency in Microsoft Office Suite and credit analysis tools.
- Strong communication and interpersonal skills.
- Knowledge of credit policies, KYC requirements, and regulatory compliance.
Salary:
N170,000 – N220,000 per month.
Why Join The Concept Group?
- Be part of a reputable and innovative organization with a strong presence in the financial and technology sectors.
- Work in a dynamic and collaborative environment that values professional growth and development.
- Contribute to impactful initiatives that drive financial inclusion and business growth.
- Enjoy competitive remuneration and opportunities for career advancement.
How to Apply:
Interested and qualified candidates should send their CV to careers@conceptgroup-ng.com using the Job Title as the subject of the email.