• Application Deadline:
• Position: Lead, Credit Analysis


• Job Type Full Time


• Qualification BA/BSc/HND


• Experience 5 years


• Location Lagos


• Job Field Finance / Accounting / Audit 
  

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.