Lending Analyst

Lending Analyst
Date: 06-Jul-2018
Location: Johannesburg, ZA
Company: Nedbank

Nedbank Recruiting
Client Focus
This role sits within the Affordable Housing arm of NCIB Commercial Property Finance, which focuses on the provision of funding to developers in the affordable segment of the residential market.

Job Purpose
The purpose of this role is to provide administration support and specialist services to Sales Executives and Lending Specialists in line with Nedbank business strategy.

Job Responsibilities
• Co-ordinate, assist with the assessing, summarising & preparation of loan documentation (motivations, company info, income and expenses, financial analysis, market context, sanctions, loan agreements, credit checks, deed searches, pricing, BASEL.).
• Assisting with writing Credit papers and liaising with credit, valuations, legal, projects and admin
• Supporting the senior relationship managers
• Create SAP and LAP data (BP, Facility & Contract – to include loading of conditions). – Prepare valuation request & liaise with Valuers to fulfil valuation requirements. – Track & co-ordinate deals through the application process. – Extract required SAP reports (JNWP, Zpartner sec, Zexposure report, loan balances, FICA & memo fields) where required.
• Compile & maintain all required schedules and management information reports for the team. Manage & implement fixed rate profiles, liaising with the client, Treasury and Admin.
• Assist with loan & portfolio restructuring, reviews, interest rate fixes, suretyship changes & further loan changes (essentially GMA’s).Assist with pricing memo’s and credit memo’s 1) Reviewing fixed loan profile for implementation on SAP 2) Pricing on the Basel model. ensuring that deal structure is appropriate to deliver the optimum RAROC return as well as capital reserving
• Co-ordinate & collect outstanding conditions/data post approval. Set up prep meeting and co-ordinate the finalisation of the deal with various stakeholders. Track deal from Approval to Disbursement ensuring timeously disbursement
• Manage contracts with respect to arrears and expiries so as to improve Economic Profits & Credit Loss Ratios
• Manage annual client Reviews to ensure that credit and business reviews are undertaken once every financial year –
• Ensure that CCA, GMAs and credit reviews are accurate and of high quality which leads to accurate loan documentation
• Assist admin team in obtaining documentation and data for SAP loading & manage data integrity including factors affecting NTRs

Preferred Qualification
Business Related Degree in Property Finance or similar

Minimum Experience Level
Two years senior administration level in financial services or property

Type of Exposure

• Working independently or with a group to identify alternative solutions to a problem
• Completing various administrative duties (e.g.; answering phones; making copies; filing)
• Managing conflict situations
• Sharing information in different ways to increase stakeholders understanding
• Comparing two or more sets of information
• Communicating internally
• Tracking cost against a budget
• Capturing data
• Checking accuracy of reports and records
• Drafting reports
• Building and maintaining effective relationships with internal and external stakeholders
• Managing customer expectations
• Interacting with external and internal clients
• Working with spread sheets

Technical Competencies
• Administrative procedures and systems
• Banking knowledge
• Banking procedures
• Business principles
• Business terms and definitions
• Business writing
• Cluster specific operations
• Microsoft Office
• Relevant regulatory knowledge
• Relevant software and systems knowledge

Behavioural Competencies
• Building partnerships
• Customer Focus
• Continuous Learning
• Initiating Action
• Technical/Professional Knowledge and Skills
• Work Standards

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