Credit Underwriter

Roles / ResponsibilitiesReviewing & analyzing the creditworthiness of all potential customers based on risk criteria.Performing various departmental functions including loan covenant monitoring, risk rating, audit preparation and recovery when assigned by HODCarrying out due diligence on Potential Clients.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.To evaluate all quantitative details in the applications with a view to make objective decisions based on empirical facts from financial information evaluated.To communicate to the business areas the credit corners and the quality assurance issues for responses/resolutions.Ensure Credits requiring amendments are communicated to the business areas to amend as appropriate.Detecting fraudulent applications with falsified/forged documents.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.