Banking Senior Consultant: Property Lending

Our Client, a well-established National Leader in the Property market / Banking / Financial services industry, is seeking to URGENTLY appoint a suitably qualified and experienced Bank Senior Consultant: Property Lending to be based in Durban.


CORE PURPOSE OF THE ROLE:
Report into the Head: Lending
This is a multi-faceted role with elements that range from being deal focused, to regional and national book management, business management and strategy and how the division fits within the organisation, and staff management within the division.
To source potential new clients for the Bank and more specifically the Property Lending division.
To liaise and negotiate with new and existing clients of the Bank and to accurately analyse potential transactions.
To liaise with and manage the relevant staff and departments at the Bank in order to facilitate and coordinate the initiating and finalizing of property lending transactions.
To structure financing solutions to various property transactions on high value transactions.
To provide these 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.
To network and entertain high net worth individuals at various functions in the interest of maintaining and furthering existing relationships as well as to create new relationships.
To create awareness in the property market of the Banks property funding capabilities and to grow the Banks brand.
To manage existing clients with advances in excess of R1.5 Billion, growing year on year.
To contribute to achieving the Property Lending fee income target in line with the budget, increasing each year.
To contribute to increase the Property Lending loan advances by the budgeted amount on a net basis year on year.
To critically assess all aspects of the Property Lending loan book and provide feedback thereon to various committees and divisional heads regarding various exposures and aspects of the book.
To critically assess all aspects of a property transaction, including costs, leases, physical condition, specialisation, location and market demand to ensure viability of transactions.
To conduct detailed feasibility studies and amortisation projections i.r.o. viability of property transactions and predict the timing of utilisations and repayments.
To conduct a thorough financial and risk analysis to determine clients ability to service and repay debt facilities.
To present and discuss transactions to the Credit Risk Committee/Alco/Exco/Board.
To manage and mentor the Durban based staff within the Property Lending team to ensure effective conclusion of transactions and achievement of divisional and organisational goals, as well as ensure that adequate training and up-skilling is occurring with all staff.