Loan Management Specialist X2 at Development Bank of Southern Africa (DBSA)

Job Description    

• The purpose of this role is to manage and administer the Bank’s loan portfolio across the full deal lifecycle (this includes overseeing the end-to-end loan administration process, from disbursement to repayment), ensuring accurate transaction processing, robust governance, and high-quality data integrity. The role safeguards the financial integrity of the loan book, ensures compliance with internal policies and regulatory requirements, and provides reliable portfolio insights to support risk management and strategic decision-making.

Key Responsibilities    
Portfolio Management

• Administer the end-to-end loan lifecycle, from deal implementation to account closure, ensuring accurate system capture and record management.
• Process loan disbursements, repayments, interest, and fees accurately and timeously and maintain the integrity of the loan book.
• Control and validate disbursement processes to ensure alignment with approved terms and conditions.
• Maintain and monitor client deal records (physical and system-based) to ensure completeness, accuracy, and accessibility.
• Manage client requests, including waivers and consents, ensuring proper review, approval, and documentation.
• Monitor securities and covenant compliance, ensuring adherence to contractual obligations and safeguarding of all supporting documentation.
• Ensure timely and accurate processing of client transactions and perform necessary adjustments to maintain accurate account balances.

Governance, Risk and Compliance

• Ensure adherence to internal credit policies, governance frameworks, and applicable regulatory requirements.
• Support audit processes and maintain audit readiness through proper documentation, controls, and issue resolution.
• Facilitate the review and sign-off of legal and financial documentation post-implementation.
• Identify high-risk clients or exposures and ensure appropriate risk mitigation actions are implemented and tracked.
• Verify compliance with policies and procedures relating to the management of the Bank’s financial assets.
• Facilitate the structured and compliant closure of loan accounts.

Client and Stakeholder Support

• Provide responsive and effective support to internal stakeholders and external clients by resolving queries within agreed service levels.
• Ensure that all loan-related information (e.g., disbursements, repayments, arrears, securities) is accurate and up to date on systems.
• Support efficient service delivery while identifying opportunities to minimise operational and transactional costs.

Reporting and Data Integrity

• Maintain high levels of data accuracy and integrity across loan management systems (e.g., SAP) to support reliable reporting and compliance.
• Produce and contribute to portfolio reports, including performance, arrears, and operational metrics.
• Provide insights to support risk management, decision-making, and portfolio optimisation.
• Support forecasting, planning, and continuous improvement initiatives through accurate data and reporting.

Key Measurements of Outputs

• Accuracy and timeliness of loan transaction processing (disbursements, repayments, interest, fees).
• Integrity and completeness of loan portfolio data and records.
• Compliance with internal policies and regulatory requirements (minimal audit findings).
• Effectiveness in monitoring securities and covenants.
• Turnaround time and quality of query resolution and client support.
• Timeliness and reliability of portfolio reporting and insights.
• Reduction in operational errors, discrepancies, and client disputes. Management of team performance, talent development, and succession planning using the performance management system

Expertise & Technical Competencies    
Planning & Organising

• Is relied on to help others plan and organise their workload.
• Effectively uses advanced time management processes to deal with high workload and tight deadlines.
• Organises, prioritises and schedules tasks so they can be performed within budget and with the efficient use of time and resources.
• Achieves goals in a timely manner, despite obstacles encountered, by organising, reprioritising and re-planning.

Written Communication

• Understands that different writing styles are required for different documents or audiences.
• Write effective correspondence, prepare questions and reports, statements of circumstance and briefing notes.
• Reviews others’ documents for clarity and impact.
• Has a solid mastery of writing principles such as grammar, sentence construction, etc.

Problem solving

• Identifies complex problems based on a broad range of factors, many of which are ambiguous or difficult to define.
• While remaining guided by organisational values, identifies optimal solutions, thinking first in terms of possible approaches and flexibilities in the system vs. blind adherence to rules or procedures.
• Implements solutions to complex problems, then evaluates the effectiveness and efficiency of solutions and identifies needed changes.

Stakeholder Management

• Develops new professional relationships.
• Understands the needs of others, the constraints they face and the levers to their engagement.
• Identifies opportunities for joint working to minimise duplication and deliver shared goals.

Financial Analysis

• Interprets, analyses, and/or evaluates compliance with applicable legislation, sound regulatory practices and procedures, generally accepted accounting principles, and other such rules and regulations.
• Analyses or interprets financial records and develops program procedures, financial models and databases.
• Demonstrates a thorough knowledge and understanding of applicable regulations, rules, entity/company practices, concepts, and industry issues.
• Demonstrates a thorough knowledge or experience working with legal and regulatory issues in their subject area.
• Develops and maintains effective working relationships with regulated industries, government officials, administrators, and civic leaders.

Solution Focus

• Identifies optimal solutions based on weighing the advantages and disadvantages of alternative approaches.
• After implementation, evaluate the effectiveness and efficiency of solutions.

Detail Orientation

• Quickly identifies relevant and irrelevant information to support accurate decision making.
• Maps out all the logistics and details of a situation to ensure smooth and flawless implementation.
• Consistently identifies all relevant details that are not obvious in complex situations.
• Requires the highest standards for accuracy and quality for their work.
• Establishes processes to ensure accuracy and quality of services delivered to the team.

Financial Management

• Thorough understanding of relevant accounting principles for DBSA and ability to guide others in their application.
• Implements controls for and monitors accounting transactions to ensure legal/regulatory compliance, and accuracy and timeliness of accounting information.
• Ability to apply credit/collection concepts independently, and able to adapt or develop new procedures as needed within DBSA and professional guidelines.
• Identifies bottlenecks and areas for improvement within the organisation’s Financial Services with respect to efficiency and accuracy of the existing financial systems and processes.

Minimum Qualification

• A Bachelor’s Degree in Finance or Credit Risk Management or a similar qualification.

Minimum Experience

• A minimum of 7 years’ experience in a transactional banking environment, processing and managing loan accounts, including disbursements, repayments and reconciliations in a banking or DFI environment.
• Knowledge of credit and investment risk dynamics.
• Experience with in -depth experience in waiver, exception, including reviewing non-standard requests, assessing risk, and documenting approvals.
• Working knowledge of regulatory requirements, audit standards, and internal credit policies.
• Experience in working with loan management systems (e.g. SAP).
• Demonstrated experience in client relationship management, handling escalations professionally, and resolving disputes.

Desirable Requirements

• Professional qualification such as CA(SA), ACCA, CIMA, CFA, SAIPA, or Credit Risk Management Certification.
• Understanding of legislative and compliance frameworks: Companies Act, PFMA, MFMA, King IV/V.
• Knowledge of IFRS (especially IFRS 9).

Deadline:5th October,2026