Senior Credit Underwriter

Moniepoint Group
Lagos
Workplace: OnsiteFull timeFunction: Banking, Lending & CreditSkills: ["Attention to detail","Analytical thinking","Communication","Teamwork","Problem-solving"]

Senior Credit Underwriter at Moniepoint assesses SME to large corporate loan applications in Nigeria, shaping underwriting standards and risk thresholds to balance growth with risk appetite. You will work with Sales, Product and Data teams to drive strategic product initiatives, perform in-depth financial analyses and stress testing, and monitor portfolio health to maintain target loan losses and risk maturity.

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Moniepoint Group
Moniepoint Group
6 months ago

Senior Credit Underwriter

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Job Summary

Senior Credit Underwriter at Moniepoint assesses SME to large corporate loan applications in Nigeria, shaping underwriting standards and risk thresholds to balance growth with risk appetite. You will work with Sales, Product and Data teams to drive strategic product initiatives, perform in-depth financial analyses and stress testing, and monitor portfolio health to maintain target loan losses and risk maturity.
Location: Lagos
Workplace: Onsite
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Sr. Manager level

Key Responsibilities

  • •Education and adoption of best practices in credit analysis, underwriting and monitoring, including the end-to-end underwriting process, right from early lending discussions with Sales teams to the 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 analysis required to support the sanctioning of large-ticket loans.
  • •Responsible for the monitoring and portfolio health of the sector and conducting 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.
  • •Continual interaction with a broad range of functions and stakeholders to drive credit risk maturity across the business.

Key Requirements

  • •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.
Experience:NigeriaFinancial servicesSMELarge Corporate
Skills:Attention to detailAnalytical thinkingCommunicationTeamworkProblem-solving
Languages:English

Company Brief

Moniepoint Group
Provides digital payments, merchant services, agent banking, card issuance, and business banking solutions across Nigeria and other African markets, serving SMEs, merchants, and financial institutions with technology-first transaction and banking infrastructure.
Industry: Fintech Infrastructure
Company Size: Enterprise (1,001+ employees)
Growth: Scaleup
Headquarters: Lagos, Nigeria
Founded: 2015
WebsiteLinkedIn