Operations Manager - Kzn - Hygiene And Pest Control

Senior Relationship Manager - Commercial Property Finance

Direct message the job poster from African Bank. Play an integral role in the management of the region and all staff members. Manage and mentor the regional based staff within the Commercial Property Finance (CPF) team to ensure effective conclusion of transactions and achievement of divisional and organizational goals, as well as ensure that adequate training and up-skilling is occurring with all staff.

Ensure that the strategy of the division fits into the organization with a focus on workflow and integration into the other divisions. Structure financing solutions that are in line with the Bank's product offerings and client needs. Conduct detailed feasibility studies and amortization projections to ascertain the viability of property transactions and their respective repayment profile. Analyze the risk of each transaction, provide accurate, structured pricing and motivate why the Bank should participate. Compile a detailed written proposal to motivate any new transaction, renewal, increase, and amendments to client's facilities and present a written and / or face-to-face presentation to the relevant Credit Risk Committee.

Contribute to and ensure that the overall budgeted advances and income growth, year on year are achieved. Manage existing loan book and timeously attend to all renewals, extensions, restructures, and re-pricing of existing loans. Provide guidance to the Internal Consultant and Relationship Managers to assess, model, motivate and execute all elements of the CPF transactions from initial assessment to pay out.

Outcomes

Take accountability for high value property transactions and drive these through all stages of the Bank's approval process. Facilitate repeat business through fast and efficient client service. Assist the region and the division in achieving annual fee and advances targets. Ensure compliance with various rules and regulations. Accurate reporting and documentation of business transactions. Efficiently manage, support, guide, and mentor regional staff.

Job Requirements

The ideal candidate will need to have a high technical knowledge of the CPF industry, have a sound understanding of all security instruments and will need to possess the following skillset:

1. Empowering a positive work environment with the regional team by sharing knowledge, experience, best practice and providing constructive feedback when required.
2. Be able to fully assess and complete an in-depth written motivation for a CPF transaction, especially high leverage / geared transactions.
3. Be astute in the analysis of the annual financial statements and financial modelling.
4. Proceed with an assessment of LTV's and residual risk and analyze the valuation report and perform a risk analysis relating to all aspects of the underlying property and related securities.
5. Formulate / model amortization profiles and complete the pricing analysis.
6. Assess various documents including the Offer to Purchase, lease agreements, and company documents such as the MOI / Trust Deeds.
7. Be efficient and diligent in achieving new advances and fee target in line with budget.

BSc property studies with honors; or B comm / financial qualification with honors. Minimum 8 years' experience in the property market; or financial services industry with relevant management experience.

Critical Skills and Competencies

1. People Management: Coach, mentor and manage regional staff toward driving the regional and divisional objectives.
2. Negotiation Skills.
3. Good interpersonal and communication skills.
4. High level of computer literacy especially in Microsoft Excel and Word.
5. Well organized with proven administrative track record.
6. Pro-active, self-starter and self-managed.
7. Detail oriented.
8. Deliver under strict deadlines with attention to detail and accuracy.
9. Handle clients in a manner which is professional and respectful while maintaining relationships and looking after the best interests of the Bank.

Client Administration

Manage client queries in an efficient manner and ensure all queries and client requests are attended to timeously, ensuring client satisfaction at all times. Control and coordinate all aspects of a deal, ensuring the timeous and smooth conclusion of the transaction.

Managing and Growing Client Relationship

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.

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 transactions and the smooth running of existing loans with the Bank.

Managing Existing Loan Book

Manage existing loan book and timeously attend to all renewals, extensions, restructures and re-pricing of existing loans. Ensure monthly loan instalments and when applicable settlements of loans are done on time.

New Business / Division Fee Target and Stretch

Source new clients for the Property Lending division and ensure growth of the existing loan book. Negotiate transaction terms with potential clients while analysing transactions accurately. Communicate with these potential clients timeously while looking after the best interests of the Bank. Attend to all aspects of the deal-making process and the maintenance of sound and effective business transactions until take on of client on the loan book. Achieve target in respect of fee income, advances growth and net interest income in line with budget.

Management and Mentorship of Staff

Ensure that staff being managed or mentored are aware of what their roles and responsibilities are regarding the deal-making process and the administration that comes along with it. Ensure the general wellbeing of staff under management. Provide the necessary training and guidance to enable staff to learn and grow within the organization, while adopting the culture of the Bank and looking after the best interest of the Bank.

Business Management

Play an integral role in the management of the division and all staff members. Ensure that the strategy of the division fits into the organization as a whole with a focus on workflow and integration into the other divisions.

Seniority level: Executive

Employment type: Full-time

Job function: Business Development

Industries: Banking