Credit Analyst at Sabi

Sabi is Africa’s major developer of enabling infrastructure for goods and services distribution. Our platform facilitates and empowers a diverse ecosystem of users, letting agents, merchants, exporters, aggregators, distributors, and manufacturers to leverage Sabi’s technological rails to extend their capabilities and build their companies. Access to physical products supply, logistics, business tools, financial services, and data insights is provided via these railroads. Sabi has evolved to be the largest B2B marketplace on the African continent in just two years.

Title: Credit Analyst

Location: Victoria Island, Lagos

Type of Contract: Full-time

Job Purpose:

• As a Credit Analyst, your primary responsibility will be to assess the creditworthiness of clients, evaluate credit risk exposure, and support lending activities. You will play a crucial role in approving or rejecting loan requests, helping to minimize bad debts and enhance loan revenue.

Job Responsibilities:

• Conduct comprehensive credit assessments of clients, international trade, and corporate finance transactions. This includes analyzing financial statements, researching industries, evaluating market conditions, and assessing credit risk exposure.
• Review loan applications, recommend appropriate terms and conditions, and provide credit approval or decline recommendations.
• Monitor the credit quality of existing clients, perform periodic reviews, and suggest risk mitigation actions.
• Ensure compliance with regulatory requirements and internal credit policies.
• Maintain and update comprehensive credit files and documentation for each transaction on a regular basis.
• Collaborate with commercial units on joint calls to discuss credit transactions and monitor customer performance and risk profiles.
• Prepare weekly portfolio reports for credit review meetings and compute weekly PAR (Portfolio At Risk) reports, including product, partner, and overall credit PAR analysis.
• Develop and utilize spreadsheets and models to support the analysis of new and existing credit applications.
• Perform any other duties assigned by the Credit Lead.

Requirements – Special Skills and Qualifications:

• Bachelor’s degree in Management, Accounting, Finance, Actuarial Science, or a related field.
• Minimum of 2 years of work experience as a Credit Analyst in financial services, an investment firm, or a bank.
• Knowledge of credit risk management, fraud management, loan recovery, and debt management.
• Understanding of credit risk management in the agricultural sector is a plus.
• Hands-on experience with relevant credit/finance-related software.
• Solid understanding of lending procedures.
• Strong analytical and critical thinking abilities.

Candidate Specification:

• Motivated by the mission of the organization.
• Pragmatic with quantitative and analytical abilities, with great attention to detail.
• Driven, independent thinker, and leader who can manage multiple projects simultaneously with rapidly changing priorities.
• High level of integrity and dependability with a strong sense of urgency.
• Focus on execution and willingness to take a hands-on approach to problem-solving and project management.
• Flexibility to adapt to changing circumstances and proactively address challenges.

Benefits:

• Rapid career growth opportunities.
• Annual training budget.
• Comprehensive health coverage, including optical and dental.
• Wellness programs, including free gym and spa coverage.
• Competitive pension plan.
• Opportunity to work in other global offices.
• Life insurance coverage.
• Performance bonus.
• Paid vacation days.
• Fully-funded team bonding activities.

Deadline: Not Specified.

How to Apply: Interested and qualified candidates should Click Here to apply online