Specialist, Credit Underwriter - Microfinance

About The JobThe Microfinance Credit Underwriter Specialist plays a pivotal role in evaluating and processing microfinance credit applications with precision, efficiency, and integrity. The successful candidate will analyze financial data, verify client documentation, and prepare credit assessments that underpin sound lending decisions while ensuring full compliance with regulatory and internal standards. This position sits at the core of MNT-Halan's microfinance lending engine and directly contributes to portfolio quality and the impact on financial inclusion.Job Responsibilities & DutiesCredit Assessment & Financial Analysis Review and verify documents and financial data related to microfinance clients to ensure completeness, authenticity, and accuracy prior to underwriting. Prepare indicative balance sheets, income statements, and expense assessments in line with microfinance methodologies and internal credit standards. Evaluate credit assessment models related to both clients and business activities, and provide clear, well-documented recommendations to support lending decisions.Risk & Portfolio Quality Identify inconsistencies, negative indicators, or potential risks across client profiles and documentation to maintain portfolio quality and mitigate credit exposure. Apply sound judgment in detecting fraud indicators and escalate red flags in accordance with internal risk protocols.Compliance & Documentation Ensure full compliance with KYC requirements and all supporting documentation standards, including regulatory and internal audit readiness. Maintain accurate and complete records for every assessed case within the designated HRIS or loan management system.Operations & Coordination Communicate and coordinate with branch operations teams to support, clarify, and finalize cases in a collaborative and timely manner. Process applications within the agreed SLAs while maintaining a high level of accuracy and attention to detail across all underwriting outputs.Data QualityApply established data quality standards across relevant systems.Conduct routine checks to identify and report data quality issues.Support improvement efforts and track resolution progress.QualificationsBachelor's degree in Finance, Business Administration, Economics, or a related field1–3 years of hands-on experience in microfinance underwriting, credit analysis, or a closely related financial services role.Strong analytical and assessment skills with the ability to interpret financial statements and construct indicative reports.Close attention to detail with a strong commitment to accuracy and data integrity.Ability to manage a pipeline of cases under SLA pressure without compromising quality.