Lead, Credit Analysis at Sabi

Job Purpose

• The Lead, Credit Analysis will be responsible for the organization's lending process, from evaluating clients’ creditworthiness to approving or rejecting loan requests.
• You will help us minimize bad debts and increase revenues from loans.  

Job Responsibilities

• Risk assessment of credit applications received from the commercial teams from different sectors (FMCG, Agriculture, Chemicals, etc.) and making recommendations for Management’s approval. 
• Preparation of Executive Summary in respect of application for the consideration of the Management Credit Committee (MCC). 
• Attending to queries and clarifying issues raised by Commercial Officers in respect of credit applications. 
•  Carrying out periodic review of credit product papers to facilitate efficient workflow. 
• Participates in determining performance standards (especially turnaround time) and monitoring adherence to set targets as appropriate. 
• Acts as a resource person for training and development sessions for subordinates, other credit analysts and relationship/commercial managers in the market facing units. 
• Supervises the analysis and processing of approvals of credit requests from commercial unit. 
• Provides consulting and advisory functions for the business units in such areas as transaction structuring, interpretation of credit policy, etc. 
• Spearheads the implementation of various process improvement initiatives in order to drive higher efficiencies in the credit process. 
• Participates in credit strategy and credit policy formulation to ensure alignment with the organization’s objectives and goals. 
• Engages 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. 
• Determines Turn Around Time targets and other performance standards and monitors progress to ensure that targets are met. 
• ​Acts on behalf of and performing any other duties that may be assigned by the Head Credit 

Requirements

Special Skills and Qualifications

• B.Sc. in management, Accounting, Finance, Actuarial Science, or its related field.   
• At least 5 years' work experience as a Credit Analyst in any commercial bank.  
• Hands-on experience with relevant credit/finance related software  
• Solid understanding of lending procedures.  
• Excellent analytical skills, with the ability to create and process financial spreadsheets. 
• Strong analytical and critical thinking ability. 
• Strong data driven thinker, ideally with previous experience in commercial and operational areas 
• Self-starter; highly driven individual that will take ownership from the get-go and proactively look for improvement.  
• Strong leadership skills and demonstrated ability to work with a very diverse workforce.  
• Excellent written and verbal communication skills.  
• Excellent organizational, leadership, analytical problem solving and strategic thinking skills  
• High integrity with zero tolerance for any unethical business practice 

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