Job Description

Northern Suburbs. Market related salary. WFH 2 days per week.

Purpose

To originate prospective new business loan applications (analysing, review, and evaluation) and to provide customer service throughout the loan origination journey.

Responsibilities:

Loan Origination

Review and evaluates loan applications and documentation for completeness.

Preparing, reviewing, and analysing the creditworthiness of all business loan originations by completing a credit scorecard.

Review of the financial status of the client by interpreting financial statements and SARS documentation.

Request additional information and follow up outstanding applications.

Engaging with clients (telephonically and written) throughout the loan origination journey.

Creating loan quotes and proposals in conjunction with the credit and legal team.

Determine loan pricing, repayment mechanisms and terms (in consultation with credit team).

Providing professional customer service, through quick turn-around time and effective communication, whilst adhering to the lending guidelines and practices.

Contribute to the achievement of monthly business targets.

Administrative Duties

Pipeline management from origination through to close.

Post-close due diligence to ensure the loan is documented as approved and is in compliant with business/credit rules, relevant regulations, and internal policies and guidelines.

Follow up on any non-payment.

Deal with new payment plans or refinancing requests.

Deal with early settlement queries.

Obtain and file copies of loan applicants credit history, corporate financial statements, and other financial information

Constantly reviewing and improving the origination and lending process in order to maintain highest level of efficiency, and ability to allocate more time to origination and business development.

Compliance

Operate in compliance with laws and regulations and adhere to lending compliance guidelines.

Role Requirements:

Minimal Formal Qualifications

NQF 7 or Degree in accounting or business studies or similar.

Minimum Work Experience

5 years of work experience in loan origination/administration

Familiarity with loan administration, accounting and banking applications/software is preferred.

Financial/accounting skills with the ability to understand and interpret financial statements, historical trends, budgets, projections, management performance, industry, and cash flow information.

Technical/Business Competence

Strong sales skills are essential to grow the debtors book with new business.

Deadline driven - Driven to close a deal as soon as possible to ensure disbursement.

Strong negotiation skills

Customer satisfaction orientation and sales competencies

Analytical skills (data analyses)

Excellent excel skills (pivots, lookups).

Strong administrative skills.

Solid understanding of lending products and practices

Strong project management planning, organisational & time management

Excellent written and verbal communication and interpersonal skills

Extremely well organized with the ability to effectively multi-task and calmly handle diverse workloads while maintaining a positive customer-focused attitude.

Problem solving

Ability to work in a goal-oriented environment.

Resourceful and the ability to take initiative.

Ability to work in a team and support sub-teams

Behavioural Competence

Achieving Personal Work Goals and Objectives

Analysing

Delivering Results and Meeting Customer Expectations

Following Instructions and Procedures

Persuading and Influencing

Working with People

Please submit your CV with photo and kindly let me know what you are /were earning please?

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