Lending Specialist at FNB South Africa

Job Description

To focus exclusively on credit and lending solutions for high-net-worth and ultra-high-net-worth clients. The role specialises and is critical for structuring sophisticated financing arrangements that meet the unique needs of wealthy individuals and families.

• Designing customised lending structures for complex client situations
• Creating bespoke financing arrangements secured by various asset types.
• Structuring credit facilities that align with clients' wealth management strategies.
• Developing innovative lending solutions that preserve investment positions.
• Arranging tailored mortgages for luxury residential properties.
• Structuring loans secured by investment portfolios (securities-based lending).
• Creating aircraft and yacht financing solutions.
• Facilitating art-secured lending arrangements.
• Providing bridge loans for business transactions or real estate acquisitions.
• Structuring interest-only loans with flexible repayment terms.
• Analyzing complex income streams and asset portfolios.
• Conducting sophisticated credit analysis beyond traditional metrics.
• Evaluating collateral values for specialised assets.
• Determining appropriate loan-to-value ratios for various asset classes.
• Navigating exceptions to standard underwriting criteria for qualified clients.
• Collaborating with the relationship team during client meetings.
• Educating clients on leveraging strategies and their implications.
• Advising on optimal debt structures within overall wealth plans.
• Providing insights on interest rate environments and financing opportunities.

End Date: August 25, 2026