Credit Analyst at Sabi

Job Purpose

• The Credit Analyst will play a pivotal role in evaluating clients’ creditworthiness, ensuring the mitigation of credit risk, supporting our lending activities and approving or rejecting loan requests.
• You will help us minimize bad debts and increase revenues from loans. 

Job Responsibilities

• Conduct thorough credit assessments of clients, international trade and corporate finance transactions, including financial statement analysis, industry research, evaluation of market conditions and credit risk exposure.
•  Evaluate loan applications, propose appropriate terms and conditions, and make recommendations for credit approvals or declines.
• Monitor the credit quality of existing clients, conduct periodic reviews, and recommend actions to mitigate risk.
• Ensure compliance with regulatory requirements and internal credit policies.
• Prepare and carry out periodic review and maintenance on comprehensive credit files and documentation for each transaction
• Engage in joint calls with the commercial units to discuss credit transactions, and as part of the efforts to monitor the customers’ performance and risk profile.
• Prepare weekly portfolio reports for credit review meeting.Compute weekly PAR report including; product, partner and entire credit PAR analysis
• Develop and prepare spreadsheets and models to support analysis of new and existing credit applications.
• ​Perform any other duties as assigned by the Credit Lead

Requirements

Special Skills and Qualifications

•  B.Sc. in management, Accounting, Finance, Actuarial Science, or its related field.  
•  At least 2 years work experience as a Credit Analyst in any Financial services, Investment firm or Bank.
•  Knowledge of credit risk management, fraud management, loan recovery and debt management
•  Understanding of the credit risk management in agricultural sector is a plus 
•  Hands-on experience with relevant credit/Finance related software 
•  Solid understanding of lending procedures. 
•  Strong analytical and critical thinking ability.

Candidate Specification

• Motivated by the mission of Sabi
• Pragmatic with quantitative and analytical ability and attention to detail
• Driven, independent thinker and leader who can juggle multiple projects simultaneously with fast-changing priorities
• High level of integrity and dependability with a strong sense of urgency.
• A focus on execution. Willing and able to get hands dirty.
• Flexibility to roll up your sleeves and attack problems and projects as they arise, where you will need to set out a clear structure, method and outcomes yourself .

Benefits

• Rapid Career Growth
• Annual Training Budget
• Robust Health Coverage, including
  • Optical Cover, and
  • Dental Cover
• Wellness Programs, including
  • Free Gym Cover
  • Free Spa Cover
• Competitive Pension Plan
• Opportunity to work in other global office.
• Life Cover
• Performance Bonus
• Paid Vacation Days
• Fully-funded Team Bonding Activities