Associate: Property Finance at Nedbank

Job Purpose
To source new commercial Property Finance transactions, ensure that existing Property Finance clients are maintained, and 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.

Minimum Experience Level

• 3 - 5 years deal structuring experience in Commercial Property Finance
• 3 - 5 years experience in Investment Banking Lending or Property Finance environment
• 3 - 5 years experience in sales and client acquisition in a Commercial Property Finance environment
• Knowledge related to Investment Banking products and formulating wholistic solutions for client

Essential Qualifications - NQF Level

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

Preferred Qualification

• Honours or Post-Graduate degree

Preferred Certifications

• CFA/ CA(SA)

Type of Exposure

• Developing ways to minimize risks Influencing stakeholders to obtain buy-in for concepts and ideas
• Built and managed stakeholder relationships Client and Relationship Results
• Completed Reports and Achieved Budgets Identified Cross-Selling Opportunities
• Managed Stakeholder / Client Relationships Provided Client Service

Technical / Professional Knowledge

• Business Acumen
• Business principles
• Governance, Risk and Controls
• Principles of financial management
• Relevant regulatory knowledge
• Relevant product knowledge
• Business writing and presentation skills
• Communication & Presentation skills
• Financial Acumen
• Industry trends
• Risk management process and frameworks

Behavioural Competencies

• Applied Learning
• Communication
• Collaborating
• Building partnerships
• Managing Work
• Technical/Professional Knowledge and Skills