Credit Application Review Officer at Moniepoint Inc.

About this role

• The Credit Application Review Officer is responsible for validating customer information and supporting credit decision-making by conducting accurate and timely verification of loan applicants. 
• The role ensures that all loan applications meet internal risk standards, fraud prevention controls, and regulatory requirements before approval or disbursement.

Responsibilities

• Application Verification: Verify customer information submitted during the loan application process.
• Authentication Checks: Conduct phone-based and system-based verification checks to confirm the authenticity and accuracy of applicant information.
• Fraud & Risk Mitigation: Identify discrepancies, red flags, and potential fraud indicators and escalate suspicious cases in line with internal risk and fraud policies.
• Documentation: Document verification outcomes clearly and accurately.
• SLA Compliance: Adhere strictly to verification SLAs to ensure timely loan processing and customer turnaround time.
• Regulatory & Policy Alignment: Ensure all verification activities comply with internal policies, data privacy standards, and applicable regulatory requirements.
• Process Improvement: Contribute to the continuous improvement of verification processes by providing feedback on recurring issues or gaps identified during verification.
• Cross-functional Teamwork: Collaborate with cross-functional teams to improve verification frameworks.

What success looks like in this role

• Accuracy and Integrity: High-quality verification outputs with minimal errors, ensuring no fraudulent applications bypass internal controls.
• SLA Efficiency: Consistent adherence to processing turnaround times, minimizing bottlenecks in the loan disbursement pipeline.
• Proactive Risk Escalation: Timely and precise identification of discrepancies and fraud indicators to safeguard the business against credit risk.
• Collaborative Optimisation: Active and valuable contributions toward refining internal verification frameworks and workflows.

Experience & Background

• 1–3 years’ experience in loan verification, credit operations, customer verification, or a similar role within a fintech, bank, or financial services organisation.
• Experience with digital lending platforms or consumer loan products is an added advantage.

Skills & Competencies:

• Strong analytical skills.
• High level of integrity, confidentiality, and professionalism.
• Strong understanding of document review and internal controls.
• High attention to detail and risk awareness.
• High ethical standards with commitment to candour, integrity, and accountability.
• Ability to identify root causes of service issues and recommend effective solutions.
• Willingness to work shifts, weekends, or holidays if required.