Lead Credit Analysis
Posted on :
13-07-2024
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1 Vacancy
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Job Description
Job Summary
The Lead Credit Analysis will be responsible for analyzing Sabis 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.
- Handson 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
- Selfstarter; highly driven individual that will take ownership from the getgo 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 fastchanging 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.
Our Process:
- Prescreening with the Talent team
- Interviews and Case Assessments with the Hiring team.
- Follow up interviews with Sabi Leadership team.
- Hiring Decision
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
- Fullyfunded Team Bonding Activities
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
Employment Type
Full Time
Key Skills
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