• 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.
• Facilitating Risk initiatives and pilots by reviewing credit data.
• Conducting periodic reviews of individual bad debts.

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.
• Strong awareness of Compliance and the Regulatory environment within Nigeria.
• Demonstrable experience of underwriting best practice and standards.