Credit Underwriter Executive

Rosabon Financial Services (RFS) Limited—a leading CBN-licensed non-bank financial institution and equipment leasing firm under the Concept Group—is recruiting a Credit Underwriter Executive for its credit risk management operations in Lagos State. Operating on a hybrid work schedule, this full-time role performs quantitative credit risk assessments, analyzes financial statements, enforces CBN Know Your Customer (KYC) regulatory compliance, and runs credit bureau checks across consumer and commercial loan portfolios.

• Quantitative Credit Underwriting & Risk Evaluation: Appraise personal, SME, and equipment leasing credit applications against empirical financial statements, cash flow ratios, and risk rating models.

• Credit Bureau & Verification Audits: Execute mandatory credit bureau searches via CRC Credit Bureau and CreditRegistry (CRS); verify applicant bank statements, email authenticity, and employer details.

• Credit Policy Enforcement & Quality Assurance: Identify policy deviations, communicate risk concerns to commercial sales teams, track loan covenants, and flag quality issues prior to loan disbursement.

• Documentation & Audit Compliance: Verify transaction consummation reports, ensure all legal documentation and KYC files are executed, and prepare portfolio risk reports for the Head of Department.

• Academic Credentials: Bachelor's Degree in a quantitative discipline + 2–4 years in financial service credit underwriting.

• Credit Software & Analytical Toolstack: Credit scoring engines, credit bureau search databases (CRC / FirstCentral), core banking systems (CBS), and advanced MS Excel.

• Core Competencies: Financial statement analysis, credit policy auditing, loan covenant tracking, risk rating calculation, CBN compliance, and investigative problem-solving.