Lead, Credit Analysis at Sabi

Job Summary

• The Lead, Credit Analysis will be responsible for analyzing Sabi's lending/financing process, from evaluating clients’ creditworthiness to approving or rejecting financing/loan requests.
• This role will be responsible for leading the credit analysis team, assessing creditworthiness, and ensuring sound lending decisions are made in alignment with the company’s risk management policies.
• The successful candidate should have extensive experience in credit analysis, with a strong focus on agricultural financing and lending.

What You Will Be Doing

• Risk assessment of credit applications received from the commercial teams from different sectors (Agriculture, FMCG, 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 TurnAround 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, Agriculture 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.