Commercial Property Finance Portfolio Manager
Manpower
- Durban, KwaZulu-Natal
- Permanent
- Full-time
- To source clients and loans by networking with market role players, identifying opportunities, developing a client and
- To align and promote the brand and business model by engaging with market players and presenting the the company approach as required.
- To maintain market and deal expertise by networking, participating in market discussions, engaging with stakeholders, evaluating past failures and successes, and
- To source and evaluate potential clients in line with the company's character assessment requirements, management experience and skills, identifying appropriate clients and building relationships.
- To evaluate the potential deal by reviewing the building, its location, gathering supporting documentation to assess the rights to build and trade.
- Assess the property market indicators and evaluate product, pricing and future Key Performance Areas Activities potential in line with the Mortgage Loan &
- To develop financial services solutions by reviewing the feasibility, different structure options, understanding the risk profile, credit parameters, and the financial solutions to secure the deal, if prudent.
- To review property management solutions by reviewing proposal provided, evaluating sustainability and alignment with the client profile, making recommendations and including in the loan proposal as required
- To complete the loan proposal by accurately reflecting client and project details, and terms and conditions, validating the data and information and presenting a credit proposal that is logical, persuasive and prudent.
- To secure support for loans from the Regional Manager or other manager by presenting the for discussion, amendment and approval as required
- To agree the solution with the client by developing the term sheet and securing approval to proceed with the proposed structure, terms and obligations.
- To engage with clients by keeping them up to date on process, progress and decisions, communicating frequently and addressing any concerns or requests for additional information and providing feedback.
- To own relationships with existing and new clients by understanding their needs and managing expectations, and providing feedback and support as required.
- To proactively manage client risk by tracking performance in line with the agreements, visiting buildings and identifying areas of concern, engaging customers and implementing mitigating action as required.
- To resolve client queries and concerns by investigating the matter, understanding the solutions, implementing corrective action and providing feedback to clients as required
- To manage asset quality by visiting buildings, conducting building inspections, identifying property and asset management issues, engaging with clients and managing
- To manage arrears proactively, addressing any issues, drive implementation of corrective action and follow up with clients to correct payment behaviour or implement other appropriate resolutions.
- To manage registration by monitoring compliance of pre-registration conditions, addressing compliance requirements with clients and driving timeous registration and transfer to optimise disbursements monthly and as required
- To resolve cyclical compliance concerns by addressing the matters with the clients and driving resolution monthly and as required
- To secure approval for changes to loan terms and conditions by developing the proposal, presenting the rationale, proposed amendments and impacts and detailing the risks and mitigating measures as required
- A minimum of an NQF 7 in Commerce, Engineering, Quantity Surveying, Business Science or related areas is required.
- A minimum of 10 years’ experience in the Commercial Property Finance environment and in financial services with a preference for exposure in a lending, treasuring and funding environment.
- Excellent numeracy skills and working with property feasibilities.
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