Junior Underwriter (Hybrid)

About this role

This role is for a Junior Underwriter at FairMoney Microfinance Bank in Lagos, with hybrid (office and home) work arrangement. The person will assist in credit risk management by assessing applications, verifying businesses, analysing financials, and monitoring portfolios. They will support compliance with credit policies and work with the Underwriting Lead and credit operations teams to inform lending decisions and maintain portfolio quality. The job focuses on reviewing initial credit applications, validating information, and identifying risks. It also involves contributing to process improvements and reporting on credit risk for management oversight.

What you would do

• Review initial credit applications in line with policies and procedures
• Support implementation and daily use of credit policies and standards
• Conduct physical and online verification of onboarded businesses
• Analyse business models and financial statements to assess creditworthiness
• Identify risks and support lending decisions
• Suggest improvements to credit assessment and approval processes
• Monitor assigned businesses and facilities for emerging risks
• Assist in risk assessment, documentation and reporting
• Help review and update credit policies and underwriting standards
• Prepare management reports on credit risk and delinquency actions

What they are asking for

• Bachelor's Degree in Business Administration, Finance, Economics or related field
• 1–2 years in credit underwriting within banking or financial services, SME focus
• Ability to analyse financial statements and assess credit risk
• Proactive, self-motivated and results-oriented mindset
• Proficiency in MS Office Suite

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