PRINCIPAL OBJECTIVE OF POSITION:
To manage the company’s regional operations by driving revenue, building relationships, expanding the business and managing the portfolio health, loan, asset quality and compliance. Contribute to treasury management by complying with funder covenants in respect of the regions, performance of the loan book, financing agreements and securitisation structures.

Responsibilities:
Strategy

• To contribute to organisational strategies by understanding the business and providing inputs, insights and influencing strategic objectives annually
• To implement components of the strategy by contributing to the executing planning, leading implementation, monitoring and reporting on progress as required

Operational Management

• To develop the operational plan for the region by reviewing and understanding the strategy and organisational objectives, developing strategies and plans to meet the regional targets, drafting the plan and 
  submitting for approval annually
• To manage operational performance by setting targets, monitoring performance, identifying areas of concern and implementing corrective action monthly and as required
• To manage achieve of revenue targets by driving origination of deals and the disbursement of loans, identifying areas of concern and implementing strategies to achieve targets monthly an as required
• To report by gathering information, analysing and interpreting trends, making recommendations and drafting reports for review and approval monthly and as required
• To manage interfaces with other company operating companies by understanding areas for cooperation, facilitating and driving collaboration and building solutions and opportunities to support all entities as required
• To manage loan asset quality by tracking payment, pre-payments and arrears, building maintenance and payment of municipal charges
• To promote and develop the brand and to ensure inernal brand alignment.
• To promote the company brand by acting in a brand aligned manner, living the values, engaging with service providers and stakeholders in a consistent way and understanding and communicating the brand 
  as required

Business Development

• To identify opportunities by establishing and maintaining relationships with property and related stakeholders, engaging around potential business and building and understanding the scope and feasibilities of opportunities, finding areas to expand business and developing 
  strategies to grow the business as required 
• To understand spatial and urban development frameworks and plans by engaging with Municipal officials, reviewing and contributing in urban development engagements, influencing municipal development plans and integrating Municipal development thinking into business development initiatives as required
• To identify clients by analysing the market and key players, identifying potential clients, engaging with and developing relationships with potential clients and presenting the  opportunities and business approach as required
• To secure deals with new and existing clients by understanding the opportunity, engaging with the client to communicate the requirements, assessing the deals and facilitating finalisation of deals with Portfolio Managers and clients monthly and as required
• To develop new markets by analysing market potential, identifying key market players, building relationships with stakeholders and potential clients, promoting the business approach and securing deals as required

Loan and Portfolio and Management

• To review all deals by assessing the overall feasibility of the deal, identifying key risks, monitoring and managing quality of the deal and the loan proposal, guiding amendment of the deal to manage risks and providing support and feedback to facilitate deal approval weekly and as required
• To manage arrears in the loan portfolio by monitoring collections, managing implementation of corrective action for arrears, tracking impact of action taken and engage around legal action to be taken monthly and as required
• To manage portfolio quality by reviewing building inspection reports, building valuations and loan performance, analysing and identifying areas of risk and managing the implementation of corrective action monthly and as required
• To manage the construction process by overseeing appointment of PRCs, monitoring construction risk, approving construction strategies, reviewing and tracking progress of construction in line with the plans, monitoring construction payments in line with progress, tracking 
  construction quality, identifying areas of concern and implementing corrective action monthly and as required
• To manage compliance by reviewing and analysing reports, identifying areas of concern and managing implementation of corrective action monthly and as required
• To manage customer experience by monitoring service levels delivered, engaging with clients, addressing complex client queries and monitoring and managing relationships between clients and the company in the region daily and as required
• To support portfolio managers by providing technical support and insight on deals and problems, guiding the development of solutions and reviewing work done monthly and as required

Compliance and Risk Management

• To manage regional risk by identifying key risks, implementing risk mitigation measures and monitoring risk and risk management all the time as required
• To monitor legislative and regulatory changes by scanning the environment, identifying changes and contributing to and managing changes in policies, procedures and practices as required

Requirements:

• A minimum of an NQF 7 in Commerce, Engineering, Quantity Surveying, Business Science or related areas is required
• A minimum of 10 years’ experience in the Commercial Property Finance environment
• A minimum of 2 years’ staff leadership and management experience
• Excellent numeracy skills and working with property feasibilities