Senior Credit Underwriter at Kolomoni Microfinance Bank

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• • Senior Credit Underwriter at Kolomoni Microfinance Bank
  • View Jobs in Banking / Financial Services / View Jobs at Kolomoni Microfinance Bank

  Posted: Jun 26, 2026

  Deadline: Not specified

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  Kolomoni Microfinance Bank is a financial services provider committed to providing customers with unparalleled access to smart, personalized, and convenient banking experiences.
  

  Senior Credit Underwriter

  • Job Type Full Time
  • Qualification BA/BSc/HND
  • Experience 4 - 7 years
  • Location Oyo
  • Job Field Finance / Accounting / Audit&nbsp

  Job Summary

  • The Senior Credit Underwriter independently evaluates loan applications across all product lines, makes documented lending recommendations within delegated authority, and provides quality control over work produced by Junior Underwriters.
  • The role carries direct accountability for credit memo quality, regulatory compliance of underwriting decisions, and portfolio-level risk discipline within the Credit department.

  Key Responsibilities
  Underwriting & Credit Assessment:

  • Independently review and analyze loan applications across all product types for creditworthiness
  • Conduct full financial analysis: cash flow assessment, debt service coverage ratio (DSCR), and repayment capacity
  • Interpret credit bureau reports and resolve discrepancies or adverse findings with applicants/Sales
  • Calculate and verify key ratios (DSCR, LDR exposure, single obligor limits) against policy thresholds, including KYC tier transaction limits
  • Prepare and finalize credit memos/appraisal reports with clear, well-reasoned recommendations for approval, decline, or referral
  • Review and approve/return work prepared by Junior Underwriters before escalation

  Risk & Compliance:

  • Ensure all loans under review comply with CBN MFB prudential guidelines, AML/CFT requirements, and internal credit policy
  • Identify and investigate red flags, inconsistencies, or fraud indicators; escalate confirmed concerns to the Head of Credit Admin and Compliance
  • Monitor obligor concentration and portfolio-level exposure limits for assigned segments
  • Recommend exceptions or policy deviations through proper approval channels with documented justification

  Documentation, Reporting & Mentorship:

  • Ensure collateral documentation (where applicable) is properly perfected and filed before disbursement approval
  • Confirm conditions precedent are fully met prior to recommending disbursement
  • Provide regular reports on underwriting turnaround time, approval/decline rates, and portfolio quality for assigned book
  • Mentor and review the work of Junior Underwriters, providing structured feedback on credit memo quality
  • Liaise with Legal/Compliance on documentation and perfection requirements
  • Support audits and regulatory examinations with documentation and explanation as required

  Requirements

  • Bachelor's Degree in Finance, Accounting, Economics, Banking, or related field; relevant credit/risk certification an advantage
  • 4–7 years' experience in credit analysis/underwriting, with at least 2 years in microfinance, retail banking, or fintech lending
  • Strong working knowledge of the CBN MFB regulatory framework, prudential guidelines, and AML/CFT requirements
  • Advanced Excel proficiency; experience with loan origination/core banking systems required
  • Demonstrated track record of sound credit judgment and low memo rejection/rework rate
  • Strong written communication skills for credit memo and appraisal report writing

  Key Competencies:

  • Sound, independent credit judgment
  • Strong risk awareness and ability to identify subtle red flags
  • Process discipline under turnaround time pressure
  • Coaching and review capability for junior staff
  • Integrity and resistance to undue influence in lending decisions

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  Method of Application

  Interested and qualified candidates should send their CV to: [email protected] using the job title as the subject of the mail.

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