Credit Underwriter at Assets Microfinance Bank

At Assets MFB, we offer value-based banking to Nigerians by creating superior value for all our stakeholders with the most effective and sustainable technologies, holding ourselves to the highest professional and ethical standards, and building an enduring transparent institution. We are a tier-1 deposit mobilization bank providing accessible, reliable and convenient financial services to individuals and businesses across Nigeria.

We are recruiting to fill the position below:

Job Title: Credit Underwriter

Location: Lekki Phase 1, Lagos
Employment Type: Full-time

Job Summary

• We are looking to hire for a Underwriter/Credit Analyst who would assess and make decisions about customer credit applications using a range of criteria including purpose of application, credit viability, customer payment history and customer credit-worthiness.

Responsibilities

• Reviewing and analyzing the creditworthiness of all potential customers based on risk criteria.
• To evaluate all quantitative details in the applications with a view to make objective decisions based on empirical facts from financial information evaluated.
• Reviewing application for credit facilities with a view to point out deviations from the company’s credit policy and highlight quality assurance issues in credit proposals received from business areas.
• Performing various departmental functions including loan covenant monitoring, risk rating, audit preparation and recovery as assigned by HOD.
• Ensure Credits requiring amendments are communicated to the business areas to amend as appropriate.
• To evaluate all quantitative details in the applications with a view to make objective decisions based on empirical facts from financial information evaluated.
• Ensuring that all credit approvals, KYC are in place documentation is duly executed and that the company’s interest is well protected.
• Conducting credit search (CRS & CRC Report) on credit bureau database.
• Conducting Email Verification & preparing Transaction Consummation Report.
• Reviewing transactions for final checklist and approval.

Qualifications

• B.Sc Degree in Accounting, Banking & Finance, Marketing or any other related field.
• Minimum of 2 years’ experience in credit underwriting and loan disbursement from a Digital Lender or Microfinance Bank.
• A good knowledge of the micro-credit and SME loan industry, with hands-on experience with lending procedures and products.
• Excellent analytic, numerical, organizational, critical thinking, logical reasoning, communication and presentation skills.

Remuneration
N200,000 - N250,000 monthly.

Application Closing Date
15th January, 2026.