Main Purpose of the Job To liaise with existing clients of the Bank, and the relevant departments in order to facilitate and coordinate any required amendments and queries on the existing loan book. To provide clients with the necessary information, support and assistance throughout the life span of their facilities/business transactions with the Bank, to ensure effective and efficient business relationships. Compile proposals to motivate any renewals, increases and amendments to existing client’s facilities, which proposals require the employee to do an analysis on the following: The background and nature of the transaction i.e. the structure of the client, the type of funding required and the industry the client is involved in. The condition, specialisation and demand for the property being offered as security. The serviceability and the proportion of the debt to the level of security in a transaction, which analysis requires the examination of market rates regarding purchase prices and rental rates. The financial position of the client and its related entities. Compile spreadsheets and models which track the loan balances, loan to values, rental flows, property expenses and the value of the property for each loan facility. To assist in ensuring the proper management and reporting of fees and liquidity; and the operational efficiencies within the Property Lending division. The employee is required to draw up fee invoices and communicate with the relevant departments to ensure that the fees are raised and debited accordingly. The employee is required to capture and maintain the FICA records of the clients and ensure that the FICA records are continuously updated. On an adhoc basis, employee will accurately analyse potential new transactions and prepare the motivations of the new transactions. Minimum Education BSC PROPERTY STUDIES WITH HONOURS; OR B COMM/FINANCIAL QUALIFICATION WITH HONOURS Minimum Experience Minimum 1 years’ experience within the property market, preferably in the financial services industry. Financial modelling & analysis. Proficiency on Microsoft Excel and Microsoft Word. Key Performance Inputs / Activities Compliance Ensure identified non-compliance is resolved timeously - to be assessed by Compliance Minimise persistent non-compliance identified within a business area - to be assessed by Compliance. Ensure staff demonstrably deliver specific, clearly articulated fair outcomes for customers throughout the product lifecycle (reference can be made to Treating Customers Fairly Policy). Ensure client needs are considered for incorporation into business strategy and governance frameworks in line with the requirements of market conduct standards. Encourage a strong culture of compliance within the organisation. Client Administration Co-ordinate all aspects of a deal that is required to facilitate/conclude a transaction. Help clients who need assistance with statements on accounts, debit authorities or real time payments or any other queries to ensure customer satisfaction. Timeously follow up on and manage the receipt of special conditions for new and existing facilities. Monitor expired and expiring accounts and ensure renewals, monthly payments and settlements are processed on time. Manage client queries in an efficient manner and monitor accounts to ensure timeous payments, settlements. Managing and Growing Client Relationships and Existing Loan Book Effectively manage, maintain and strengthen client relationships. Continuously provide clients with the necessary support and assistance, always ensuring the highest level of service and client satisfaction. Maintain existing loan book by ensuring client satisfaction and receiving positive feedback on all aspects of the process; Attend to all operational aspects of renewals, extensions and amendments to facilities accordingly to remain competitive and relevant in an ever-changing economy. Monitor expired and expiring accounts and ensure monthly payments and settlements are processed on time. Managing Strategic Internal Relationships Effectively manage, maintain and strengthen internal relationships. Provide the relevant departments with the required information, assistance and support to ensure the prompt conclusion of new deals and the smooth running of existing loans with the Bank. Audit Manage number/percentage of significant audit issues that have gone past due implementation date (i.e. overdue by 60+ or 90+ days) - to be assessed by Audit. Manage number/percentage of recurring significant audit issues (i.e. where findings raised in prior audits come up again in subsequent audits, particularly when such findings were confirmed to have been resolved) - to be assessed by Audit. Minimise repeat unsatisfactory IA reports (i.e. when an area received overall unsatisfactory rating in consecutive audits) - to be assessed by Audit. General / Other Ensure all fees are raised and paid / debited in accordance with agreements; Assist with the monthly management of the fee schedule, fee debtors / fee income schedule and the reconciliation of management account; Ensure liquidity report is done and sent out weekly to Treasury; Assist with testing of system developments on OCS, Online Credit, OMM and FISERV. Corporate Governance Understand and assist with the Bank's commitment to its corporate governance policies within the workplace, economy, society and environment. #J-18808-Ljbffr