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Johannesburg• Consult with estate agents daily whether one-on-one or telephonically, for the purpose of obtaining new business and establishing / maintaining lead provider relationships.• Consult with purchasers daily whether one-on-one or telephonically, for the purpose of obtaining financial information to do pre qualifications, affordability assessments or to process bond applications.• Thoroughly complete application forms,• Give daily / regular feedback to stakeholders• Motivate declined applications, do rate appeals with banks to ensure that best possible outcome is received.• General reportingJob Requirements: Own transport is essentialSelf-starter and go getterGood communication skillsExcellent telephone etiquetteAble to work independentlyTeam playerResourceful in generating leads and businessBe able to work under pressure in a fast passed environmentGood time management skillsWell presentedApplicants must live in or around the Western or Northern SuburbsPreference will be given to applicants who have worked in the property market before
https://protool.gumtree.co.za/external-link-browser.html?url=aHR0cHM6Ly9lbi16YS53aGF0am9icy5jb20vY29vcG9iX19jcGxfX18xMjY2XzUzNTY0X180OTc/dXRtX3NvdXJjZT1ndW10cmVlJnV0bV9tZWRpdW09ZmVlZCZrZXl3b3JkPQ==&jid=1201241&xid=1266_53564
2y
4
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NOT GETTING LOANS DON'T KNOW WHYWhat we Do. NO UP FRONT FEES 1) Draw A Credit Report (consent needed) 2) We do A Free Assessment 3) Watsapp you our findings(Watsapp number needed)4) Advise you the Best Way Forward KINDLY NOTE NO ONE CAN GRANT YOU A LOAN SHOULD YOU BEa) Under Debt Reviewb) Have Judgementc) Arrears over 2 Monthsd) Issued with Summonse) Low Credit ScoreKINDLY NOTE WE RENDER THE FOLLOWING SERVICES 1) Improve your Credit Score2) Remove You off Debt Review ( T/C apply)3) Reduce Legally Your Credit Life Insurance4) Negotiate Legally a Payment Plan even if you are in arrears ( NOT DEBT REVIEW) 5) Clear your Name on The Credit Bureau's 6) We also can assist with Clearance Certificates (T/C apply)KINDLY CONTACT US TO ASSIST YOU HAVE FINANCIAL FREEDDOMWatsapp 065 831 5089Email info@financialwellness4u.co.za/ genny@mweb.co.za
10d
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The Accountant is responsible for the general finances in the office including capturing, reconciling and reporting. A large part of the accountant’s role is to ensure processes in the company are efficient and effective through the company. A pro-active and innovative awareness is required in the position.
The accountant will report directly to the financial manager on daily activities. He or she will also report to directors and other managers in the Operation Committee on an ad hoc basis. Since the position allows access to a large amount of sensitive and confidential information, a trustworthy person is critical for the role.
The accountant will deal with a variety of departments and staff members and will be consulted on several matters. A good understanding of the company and its structures is there for required. The position also requires the management of the creditors and filling department.
* Daily responsibilities
* Provide the previous day’s bank statements to the creditor clerk/junior accountant for the allocation of payments and to the request allocation for all receipts from the debtors’ department.
* Approve purchase orders, credit notes and other documents as per the company’s Approval Matrix.
* Process approved credit notes on the accounting system.
* Provide accurate and complete reports as requested by management from time to time
* Ensure controls are adhered to that relate to the accounting department.
* Approve/Decline payments as the first approver for all electronic fund transfers.
* Process invoices outside the normal course of business
* Inspect contracts loaded to ensure the accuracy and completeness of the information on the system.
* Control physical access to petty cash.
* Issue petty cash as requested after receiving the signed off petty cash requisition form signed by the relevant manager as per the Approval Matrix.
* Month end
* Compile the month end reconciliation file with the supporting documentation for each balance sheet item, including the following:
* Up to date fixed asset register
* Loan account balances from the various entities
* Statement/Amortization schedule for each bank or third-party loan
* Bank reconciliations for each bank account
* Schedule of provision accounted for and the calculation thereof
* VAT Reconciliation
* Control account reconciliations
* Customer and Supplier Age Analysis
* Stock Valuation reports
* Ensure that each of the trial balance line items balance to the supporting documentation.
* Investigate work in progress balances and ensure the balances are supported by valid reasons.
* Investigate and resolve discrepancies on the balances compared to the supporting documentation before finalization of the month end and management accounts.
* Determine whether provisions are sufficient and adequate given expectations and experience.
* Compile monthly management reports based
https://protool.gumtree.co.za/external-link-browser.html?url=aHR0cHM6Ly9lbi16YS53aGF0am9icy5jb20vY29vcG9iX19jcGxfX18xNTU1Xzk4ODlfXzQ5Nz91dG1fc291cmNlPWd1bXRyZWUmdXRtX21lZGl1bT1mZWVkJmtleXdvcmQ9&jid=1139494&xid=1555_9889
2y
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We are recruiting for a Loan Officer in Limpopo Thabazimbi The Loan Officer evaluates and recommends approval or decline of loan applications. The Loan Officer will act as primary liaison between customers and our financial institution and will help qualified applicants acquire loans in a timely mannerDuties and ResponsibilitiesPerform business development tasks, including managing the pipeline by generating leads and referral business, and maintaining relationships with existing and past clients.Assess customer needs, explore all options and propose alternative types of loansDevelop referral networks and suggest alternate channels to accomplish targetsOn-board new loans to ensure delivery of business targets.Explain to clients the different types of loans and credit options that are available, the risks and benefits of each, as well as the terms of loan products.Collect all clients’ required documents for loan application to ensure their eligibility to have it approved.Conduct credit investigation to analyze applicants’ financial status, order/contract profitability, and repayment capacity to determine feasibility of granting loans.Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, order/contract performance, order/contract status and other financial information to prevent reliance on fraudulent data.Ensure all necessary information and documentation is recorded properly in electronic file formatWhere applicable, conduct a site visit during loan assessment process to obtain in-depth information concerning to the purpose of customer’s loan application and ensure customer security for the loan is sufficient and acceptable.Complete loan contracts and counsel clients on policies and restrictionsConduct activities to put loan securities in place to mitigate financial loss.Prepare qualifying disbursements for review and sign offMake regular site visits to existing customers in order to determine whether the loan should stay the same or be downgraded due to the actual condition of their loan collateral and/or financial situation as well as to develop relationship with customers for further cross-selling.Actively monitor the implementation of funded projects to ensure timely completion and invoicing by SMEsFollow up delinquent client immediately and refer such case to the Credit Manager in order to proactively handle the loan portfolio.Stay abreast of new types of loans and other financial services and products to better meet customer needs.Go the “extra mile” to build trust relationships, customer loyalty and satisfaction throughout the lending process?perate in compliance with laws and regulations and adhere to lending compliance guidelines Skills and SpecificationsRelevant degree or diplomaMinimum experience required2 years’ experience in financial management and project management; OR2 years’ experience as Loan Officer/similar roleAbility to use Microsoft Office.Good sales and customer service
https://protool.gumtree.co.za/external-link-browser.html?url=aHR0cHM6Ly9lbi16YS53aGF0am9icy5jb20vY29vcG9iX19jcGxfX18xMjY2XzQyMjQ0X180OTc/dXRtX3NvdXJjZT1ndW10cmVlJnV0bV9tZWRpdW09ZmVlZCZrZXl3b3JkPQ==&jid=1152822&xid=1266_42244
2y
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The Retail Credit Manager role forms part of the Credit Risk Management (CRM) team and is primarily responsible for managing an assigned portfolio of Retail Banking borrowing clients. The Retail Credit Manager plays a lead role in the credit risk engagement with the Retail segment business team who manage the overall client relationship. The role is to primarily oversee the retail credit granting process for Access Bank. To optimize the Bank’s retail targets and reduce bad debt losses by adhering to the local Credit Policy Guide and the National Credit Act (NCA). The Retail Credit Manager will oversee and be party to evaluating the creditworthiness of existing and prospective retail customers against set policies, procedures and National Credit Regulator (NCR) guidelines as well as taking accountability for the overall Retail credit portfolio management.
*1 Credit Evaluation 40 % *
• To approve and decline credit applications based on sound justification against the Bank’s Credit policy and National Credit Act requirements as per National Credit Regulator
• To evaluate credit applications in line with the Bank’s credit scoring models
• To determine loan interest rates in line with the Bank’s retail Pricing Matrix, Credit Score and as prescribed by the National Credit Act 2 / 2
*2 Facility Reviews 10 %*
• To conduct facility review assessments of existing customers
• To assist Business to ensure that reviews are conducted annually and timeously
• To timeously issue quotations and facility letters
*3 Post-fulfillment 20 %*
• To exercise effective post-lending monitoring to ensure that facilities are maintained in accordance with conditions of sanction and covenants
*4 Portfolio Management 20 % *
• To apply appropriate action on the daily referral report to minimise the Bank’s risk. This is to be done by effectively dealing with unauthorized excesses and overdrawn positions
• To closely monitor and control arrear loan accounts
• To timeously monitor deterioration in the lending book and action same per loan classification policies and guidelines
• To recommend accounts to the Watch list and Criticized Assets Committee for closer and significant monitoring
• To timeously recommend hand over of delinquent accounts to NPL section for rapid action and recovery process
*5 Reporting 10 %*
• Maintain proper records of the lending bookings
• To produce reports regarding of the lending book when called to do so
• To contribute to improving processes and efficiencies within the department
*Business Planning/ Decision Making*
• Daily task planning and prioritazion of expected deliverables for timeous execution and delivery of expected outcomes
• Adherence to SLA requirements within the Retail business segment
• Effective and sound decision making
*Policies and Procedures*
• To analyse and assess credit applications in accordance with approved policies and procedures and ensure that credit exposures are created
https://protool.gumtree.co.za/external-link-browser.html?url=aHR0cHM6Ly9lbi16YS53aGF0am9icy5jb20vY29vcG9iX19jcGxfX18xNTU1XzE1MDU1X180OTc/dXRtX3NvdXJjZT1ndW10cmVlJnV0bV9tZWRpdW09ZmVlZCZrZXl3b3JkPQ==&jid=1160063&xid=1555_15055
2y
1
SavedSave
The Accountant is responsible for the general finances in the office including capturing, reconciling and reporting. A large part of the accountant’s role is to ensure processes in the company are efficient and effective through the company. A pro-active and innovative awareness is required in the position.
The accountant will report directly to the financial manager on daily activities. He or she will also report to directors and other managers in the Operation Committee on an ad hoc basis. Since the position allows access to a large amount of sensitive and confidential information, a trustworthy person is critical for the role.
The accountant will deal with a variety of departments and staff members and will be consulted on several matters. A good understanding of the company and its structures is there for required. The position also requires the management of the creditors and filling department.
* Daily responsibilities
* Provide the previous day’s bank statements to the creditor clerk/junior accountant for the allocation of payments and to the request allocation for all receipts from the debtors’ department.
* Approve purchase orders, credit notes and other documents as per the company’s Approval Matrix.
* Process approved credit notes on the accounting system.
* Provide accurate and complete reports as requested by management from time to time
* Ensure controls are adhered to that relate to the accounting department.
* Approve/Decline payments as the first approver for all electronic fund transfers.
* Process invoices outside the normal course of business
* Inspect contracts loaded to ensure the accuracy and completeness of the information on the system.
* Control physical access to petty cash.
* Issue petty cash as requested after receiving the signed off petty cash requisition form signed by the relevant manager as per the Approval Matrix.
* Month end
* Compile the month end reconciliation file with the supporting documentation for each balance sheet item, including the following:
* Up to date fixed asset register
* Loan account balances from the various entities
* Statement/Amortization schedule for each bank or third-party loan
* Bank reconciliations for each bank account
* Schedule of provision accounted for and the calculation thereof
* VAT Reconciliation
* Control account reconciliations
* Customer and Supplier Age Analysis
* Stock Valuation reports
* Ensure that each of the trial balance line items balance to the supporting documentation.
* Investigate work in progress balances and ensure the balances are supported by valid reasons.
* Investigate and resolve discrepancies on the balances compared to the supporting documentation before finalization of the month end and management accounts.
* Determine whether provisions are sufficient and adequate given expectations and experience.
* Compile monthly management reports based
https://protool.gumtree.co.za/external-link-browser.html?url=aHR0cHM6Ly9lbi16YS53aGF0am9icy5jb20vY29vcG9iX19jcGxfX18xNTU1Xzk4ODlfXzQ5Nz91dG1fc291cmNlPWd1bXRyZWUmdXRtX21lZGl1bT1mZWVkJmtleXdvcmQ9&jid=1139494&xid=1555_9889
2y
1
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IGrow Wealth Investments, South Africa’s #1 Property Investment Company, is looking for a BONDS CONSULTANT to join their team.TO QUALIFY FOR THIS POSITION, YOU NEED: At least 2 years of experience as a bond administrator or bond consultantCurrently be in the same or similar role with active working knowledgeGreat communication skillsExcellent telephone etiquetteAble to work in a teamBe able to work under pressure in a fast paced environmentGreat time-management skillsWell presented as you will deal with clientsExperience with DealMaker system DUTIES AND RESPONSIBILITIES: Consult with Investors daily whether one-on-one or telephonically, for the purpose of obtaining financial information to do affordability assessment or to process bond applications.Thoroughly complete application forms, capture and submit applications to specified financial institutions through DealMaker systemFollow up with banks daily on all submitted applicationsGive daily / regular feedback to clientsMotivate decline applications, do rate appeals with banks to ensure that best possible outcome is received. High conversion ratio will be expected.Ensure that sale agreements are signed correctly within the specified timeEnsure that applications granted are taken to “done deals” (balance purchase price paid if needed) within the specified timeAssist with the updating of spreadsheetsAd-hoc bonds and administration duties
https://protool.gumtree.co.za/external-link-browser.html?url=aHR0cHM6Ly9lbi16YS53aGF0am9icy5jb20vY29vcG9iX19jcGxfX18xMTA5XzY4MjI4X180OTc/dXRtX3NvdXJjZT1ndW10cmVlJnV0bV9tZWRpdW09ZmVlZCZrZXl3b3JkPQ==&jid=1168197&xid=1109_68228
2y
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