SME Underwriter
Renmoney
SME Underwriter
Renmoney
Fintech offering loans, savings, and investments
Renmoney · Lagos, Nigeria (Hybrid) · Full-time · Posted 2025-05-22
Workplace: hybrid
Department: Credit Risk Management
- Evaluate SME and corporate loan applications by analyzing financial statements, cash flow, business models, and creditworthiness
- Identify and assess key risks (financial, industry, management, collateral) and recommend appropriate mitigants.
- Structure credit facilities in line with the borrower's needs and the bank’s risk appetite, including terms, pricing, and security requirements
- Draft detailed credit proposals or memos with clear justifications, risk analysis, and recommendations for approval.
- Liaise with relationship managers, legal, and risk teams to coordinate customer due diligence, site visits, and validation of submitted documents.
- Monitor assigned portfolio performance, ensure covenant compliance, and flag early warning signs or deterioration in credit quality.
- Ensure all credit evaluations and decisions adhere to internal policies, regulatory guidelines, and credit approval frameworks.
- Assess adequacy and enforceability of collateral, and work with legal to ensure proper documentation and perfection.
- Collaborate with Relationship Managers, Credit Committee, and other internal stakeholders to drive timely and sound credit decisions
- Proven experience in SME underwriting and credit risk assessment, with at least [3] years of experience in SME/Corporate credit analysis.
- Commercial banking experience as a credit analyst would be a plus
- Strong analytical skills with the ability to interpret financial statements, assess creditworthiness, and make data-driven lending decisions.
- In-depth knowledge of lending regulations, risk management principles, and best practices in underwriting.
- Excellent interpersonal skills, effective communication skills, both verbal and written, with the ability to articulate complex financial concepts to non-financial stakeholders.
- A strategic mindset with a keen focus on portfolio performance and risk management.
You’ll receive competitive compensation and work with amazing people. You’ll work in a beautiful environment with a flat structure and solve complex, real-world challenges.
We are the place for you, if
You’re excited about technology and the future, and you’re looking for a place to learn and grow. You care a lot about detail and pride yourself in impeccable execution. You are adept at identifying, assessing, mitigating, monitoring and reporting risks, and ensuring controls are working effectively. You are ready to work extremely hard, at a fast pace, to achieve audacious goals. You love to speak up, ask questions and are comfortable challenging anyone or any idea.
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Renmoney provides personal and business financial products, including loans, savings, and investments, designed to be simple, useful, and accessible. It uses data-driven insights to understand customers and tailor offerings to individual needs, enabling convenient loans to help people do more today, savings plans to stay on track with goals, and investments to grow money over time. The company differentiates itself by focusing on making finance easy and available to a broad audience, rather than restricting access, and by combining a flexible hybrid work model with customer-centric product design. Its goal is to help people manage money more effectively and reach their financial objectives.
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