Credit Underwriting Officer (Salary & SME Finance) at Beyond Credit Limited

In Sub-Saharan Africa, approximately 350 million adults lack access to formal financial services, with Nigeria alone accounting for over 10 percent of this number. Without the right financial services, the poor struggle to withstand financial shocks, perpetually trapped in the vicious cycle of poverty.

Beyond Credit Ltd was created with this problem in mind, recognizing poverty as one of the greatest injustices that mankind sustains. It manifests itself through various outcomes, including hunger, malnutrition, high infant mortality, low life expectancy, illiteracy in children, and crime.

We are recruiting to fill the position below:

Job Title: Credit Underwriting Officer (Salary & SME Finance)

Location: Ikeja, Lagos
Employment Type: Full-time

Role Summary

• We are seeking a Credit Underwriting Officer to assess and approve loan applications for salary earners and SMEs, ensuring alignment with risk appetite, credit policies, and regulatory standards.

Key Responsibilities

• Review and analyze loan applications (salary & SME)
• Assess creditworthiness using financials, bank statements, and credit reports
• Identify risks and apply internal scoring models
• Structure loans (tenor, pricing, repayment) based on risk profile
• Recommend approvals, declines, or modifications
• Ensure compliance with credit policies and documentation standards
• Collaborate with Sales and Collections to improve portfolio quality

KPIs

• Approval turnaround time (TAT)
• Portfolio quality (default/NPL rate)
• Early delinquency rate
• Compliance & documentation accuracy

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or related field
• 2–5+ years in credit underwriting or risk analysis (salary & SME lending preferred)
• Strong financial analysis and credit assessment skills
• Good knowledge of lending regulations and credit policies
• Proficiency in Excel and financial tools
• Professional certifications (ACA, ACCA, CFA)
• Experience with credit scoring systems or loan management platforms

Core Competencies:

• Strong analytical and decision-making skills
• High attention to detail and integrity
• Good communication and stakeholder management
• Ability to work under pressure.

Salary & Benefits

•  Salary: N350,000 - N400,000 per month. 
• Competitive Salary
• Health Insurance (HMO)
• Leave allowance & Group Life cover
• Leave Management
• 13th Month salary.

Application Closing Date
19th May, 2026.