Job Description

Loan Officer Equipment Rentals & Leases
Area: Bryanston, Sandton
Package: R30 000 (negotiable) including provident fund, medical aid, group risk cover, with optional Vitality and Gap Cover.
Purpose of the Role
To maximize profitability and manage risk across the asset (Vehicles, Earthmoving Machines, Moveable Assets) life cycle by analyzing residual values, forecasting asset performance, and implementing end-of-term strategies in alignment with client behaviour and company objectives.
Key Responsibilities * Asset Risk & Profitability Management

• Analyze, model, and manage residual value risk across asset portfolios.
• Recommend impairment provisions and adjustments to asset strategies.
• Ensure compliance with internal risk frameworks and deal parameters.
• Life Cycle & End-of-Term Strategy

• Develop and implement clear end-of-term strategies for new and existing assets.
• Monitor returns and adjust residual value assumptions to maximize secondary income.
• Oversee settlements, renewals, and billing to optimize profitability.
• Client & Stakeholder Engagement

• Collaborate with sales, relationship managers, and clients to understand asset use, upgrades, and replacement needs.
• Provide guidance on risk management best practices.
• Support the structuring of complex deals aligned with client requirements.
• Portfolio Monitoring & Reporting

• Conduct quarterly reviews of portfolio risk exposure.
• Prepare recommendations for Management Risk and Residual Value Committees.
• Maintain accurate reporting and communication on account evaluations.
• Governance & Controls

• Establish procedures to safeguard the company against adverse risk events.
• Ensure all transactions adhere to internal policies and approval mandates.

• Bachelor of Commerce (BCom) in Finance, Financial Management, or related field.
• 13 years experience in asset management, risk analysis, or financial services (preferably in leasing, rentals, or structured finance).
• Strong analytical and financial modelling skills.
• Solid understanding of asset life cycle management and profitability principles.

• Advanced analytical and problem-solving skills with attention to detail.
• Strong financial acumen and risk management knowledge.
• Proficiency in MS Excel/financial modelling.
• Excellent communication and relationship management skills.
• Ability to work independently and in teams with high levels of accountability.