Associate: Property Finance (Cape) at Nedbank

Job Purpose

• To execute and implement complex transactions with targeted clients related to lending and other structured transactions (non-vanilla lending) and to source new commercial Property Finance transactions, ensure that existing Property Finance clients are maintained, and consequently that relationship-based business potential is optimised ensuring that maximum profitability / return is derived for the Bank.
• To ensure that Nedbank Property Finance remains the dominant player in the Property Finance market through innovative deal making and product structuring.

Job Responsibilities

• Preparation of credit papers (applications, memos, updates, reviews) by conducting historical financial analysis, financial modelling & debt scoping with related commentary, Industry & competitor analysis and sanctions screening.
• Assist with the review of legal documents by cross referencing approved terms sheets and ensure incorporation of all other commercial terms in the legal documents.
• Support effective execution of transactions by applying your skills, modelling, researching and analysing investment proposals.
• Build and maintain internal stakeholder relationships by liaising and collaborating with relevant stakeholders and facilitating the sign-off of relevant transactions.
• Manage development loans process, i.e. draws, stakeholder engagements to meet client's requirements.
• Develop strong relationships with new and existing clients, property brokers, estate agents and any other into financing instruments to create deals.
• Build and maintain existing relationship with established Clients within Region, retaining and optimising existing business opportunities.
• Provide internal and external client satisfaction by ensuring operational excellence in dealing with client queries.
• Identify new business opportunities within different divisions of Nedbank.
• Achieve financial targets by effective acquisition of commercial and industrial property finance deals and management of the book / portfolio.
• Continuously evaluate and mitigate the credit risk embedded within the environment and deals, to derive the maximum risk and return situation.
• Continuously look for creative approaches to put deals on the book.
• Manage colleagues and clients’ expectations and communicate appropriately.
• Contribute to the effectiveness of the Lending team.

Essential Qualification

• BCom (Accounting/Finance) or BSc in Property Studies or similar degree

Preferred Qualification

• CFA/ CA(SA)
• Honours/Post-graduate qualification in Accounting/Finance or equivalent

Minimum Experience Level

• 3 - 5 years Deal structuring experience in Commercial Property Finance
• 3 - 5 years’ experience in Commercial and Industrial Property Finance environment
• 3 - 5 years’ experience in sales and client acquisition in a Commercial Property Finance environment