Jobs at Phaki Personnel Management Services

Minimum Requirement:

• B Com Degree or similar in a financial related qualification. Postgraduate qualification/certificate would be advantageous. At least NQF7 finance related qualification.
• Minimum Requirement: 3- 5 years’ experience in the credit, property or financial sector.

Key Activities:

• Recommend risk rating changes when analysis merits this which included credit investigation of the borrower and guarantors, economics and market conditions related to the organizational, industry and market area,
  Utilizing credit rating and pricing tools to determine appropriate ratings and prices developing an in-depth knowledge of the target market.
  Verify and check information received and identify additional information required
• Introducing risk mitigating measures as input to structure transactions in line with risk management framework of the organizational.
• Develop client credit risk profile
  Recommending risk mitigators and solutions
• Deliver meaningful, detailed credit analysis while providing efficient and timely service to the Lending Division in line with agreed turnaround times for applications.
• Report to the Credit Manager findings that may have an adverse effect on loan collateral or borrower’s ability to repay the loan
• Ensure that all credit files are complete, identify any documentation deficiencies, and report them to the Lending division or Legal division as needed for timely resolution.
• Ensure the facilitation of credit bureau clearances and references on borrowers and sureties.
• Perform Credit checks on the borrowing entity, its directors and all guarantors.
• Propose key covenants, collateral, and legal conditions to the application in accordance with the organizational approved key terms.
• Prepare Status Change report containing pre-conditions and special conditions to ensure that prior to the initial draw down the client has complied with all loan conditions (e.g., supply of approved Council plans, provided equity for the transaction).
  Providing expert inputs and recommendations regarding the more complex applications/submissions.
• Conduct an in-depth financial analysis, and in-depth analysis of the secondary sources of repayment such as collateral on new business proposals.
• Assess client viability, analyze forecasts, and do sensitivity analysis to ensure acceptable credit risk which will results in minimal credit losses for the organizational.
• Develop financial models to support analysis of new loan/facility applications.
• Prepares a thorough, in-depth written analysis on new credit requests/Proposal,
• Attends sanctioning Committee meetings to present analysis, findings and recommendations for new applications.
• To provide answers to questions raised by credit committee regarding specific credit analysis for loan facility applications.
• Provide input in the drafting of the facility agreements in collaboration with the organizational legal division.
• In collaboration with the Legal team follow up on terms of approval, ensuring prior to facility drawdown that all key and specific conditions are clearly captured in drafting of legal agreements.
• partner, build and maintain internal constructive relations with stakeholders
• Contribute to building synergies and cooperation across divisions in the organizational especially Lending and Legal.
• Assist with the formulation and amendments to the organizational credit policy
• Implement organizational credit policy
• Compile Credit policies reviews, amendments. Maintain organizational Credit risk register
• Institute and/ or recommend system and processes for the implementation and control of credit policies and risk management procedures on the programmed.
• Contribute to the development of financial models and other tools that improve divisional efficiencies and turnaround times.
• Monitor and evaluate own work progress.
• Develop individual competencies as required.
• Ensure own performance reviews are completed and recommendations actioned.
• Updating organizational and market-related knowledge

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Job Details:

• N6 plus Trade Certificate (Electrical/Mechanic).
• 5 years in repairs and maintenance of mechanical and electrical machinery and equipment of which 2years must be at supervisory level. Knowledge of Basic Occupational Health and Safety in the workplace.
• Computer literate and SAP.
• Code EB driver’s license.

Job Description

• To all plant/equipment at the Treatment Works, including Minor Plant/Yellow machines in order to maintain maximum plant availability, manage and ensure that preventative maintenance plans are developed, implemented and monitored according to Best Practices and standards, Manage and monitor the use of spares, materials and equipment through the internal stores and department to ensure effective control and distribution of materials and tools, develop, implement, and maintain SOP’s for Treatment Works maintenance operations.
• Manage and Control staff in terms of HR Policies, identify job specific training and development needs in line with Organization skills development plan, this will be done in consultation with the Regional Maintenance Manager.
• Transferring of skills to subordinates by mentoring and coaching, requirements in the workplace by carrying out risk assessments and on job assessments.
• Ensure that all new employees are informed of and trained to the requirements of OHASA, assist with the preparation of regional budget (OPEX) by monitoring and ensuring correct usage of cost centers and line items on works orders, creating purchase requisitions and ensure GRN’S (Goods Receive Note) as per procurement policies and Procedures.
• Liaise with service providers on an adhoc basis to ensure that all outsourced work is completed within agreed timeframes, Liaise with internal/external auditors for audit purposes. Provide leadership and management in the Treatment Works through proactive Planning, Evaluate and priorities risks, and assess the options for accommodating the risks.