Loan Management Specialist

The purpose of this job is to implement, maintain and enhance the administration of credit provided financial assets. Maintain SAP CML system according to finance agreement and interact with clients during administration process.

Portfolio Management

• Manage the deal administration process from implementation to account closure, by capturing, verifying information on system.
• Control the disbursement process to clients.
• Manage waivers and consent requests from clients.
• Maintain and monitor client deal records both physical records and on the reporting system.
• Maintain and monitor securities and covenants, and the safeguard of documents and records.
• Monitor that system processing for client transactions are adequate and timeous.
• Ensure the effective collection and recording of payments and actioning the necessary consequential adjustments to client’s records.

Governance

• Facilitate the sign-off of all documents since implementation.
• Identify high-risk clients and ensure the applicable risk mitigation processes are in place.
• Provide support and verify compliance with policies and procedures regarding the bank’s financial assets.
• Facilitate the closure of deal accounts.

End User Support

• Resolve and answer queries from internal and external clients in a timely manner.
• Ensure information is correct and up to date on the system regarding: disbursements, repayments, defaulters/staging, securities and any other ad hoc information to inform reports for information and decision-making purposes.
• Minimise operational and transactional costs.

Key measurements of outputs

• Adhering to timeliness of transaction management policies and procedures.
• Correctness of management information system.
• Overall management and quality of portfolio information as per financing agreements.

Key Internal Liaison Relationships

1. Executives & Heads
2. All DBSA Divisions and Units participating in the lending process 3. Finance
4. Internal Audit

Key External Liaison Relationships

1. External Clients, Advisors, Agent Banks 2. External Auditors

Minimum Requirements

• A Bachelor’s Degree in Finance, Economics or Risk Management
• A minimum of 7 years’ experience in wholesale transactional banking environment
• Extensive knowledge in MS Office with specific focus on excel

Desired Requirements

• Understanding of legislative frameworks Companies Act, PFMA, MFMA, King IV
• Knowledge of credit and investment risk dynamics
• Experience in the financial services industry
• Experience using a loan management system

TECHNICAL COMPETENCIES

Planning & Organizing

• 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, prepares 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, analyzes and/or evaluates compliance with applicable legislation, sound regulatory practices and procedures, generally accepted accounting principles, and other such rules and regulations.
• Analyzes 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, evaluates 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 Accounting

• 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.

BEHAVIOURAL

Achievement Orientation

• Undertakes challenging assignments and strives to complete them.
• Sets priorities and chooses goals based on calculated costs, anticipated benefits, and improvement of performance.
• Aims at exceptional performance; setting out to achieve a unique standard.
• Constantly analyses outcomes to ensure the achievement of business goals.
• Identifies short-term opportunities or potential problems aiming to achieve better outcomes.

Customer Service Orientation

• Tries to understand the underlying needs of customers and matches these needs to available or customized products and services.
• Adapts processes and procedures to meet on-going customer needs.
• Utilises the feedback received by customers, in order to develop new and/or improve existing services/ products that relate to their on-going needs.
• Thinks of new ways to align DBSA’s offerings with future customer needs.

Integrity

• Is willing to end a business relationship because it was associated with unethical business practice.
• Is capable of challenging senior management (in an appropriate and respectable manner) in order to act on espoused values.

Leading and Empowering Others

• Creates the conditions that enable the team to perform at its best (e.g., setting clear direction, providing appropriate structure, getting the right people, obtain needed resources).
• Monitors performance against clear standards, and addresses performance issues promptly and takes action to get performance back to desired levels.
• Proactively asks for feedback on own performance from team members, aiming to become more effective.

Self-awareness and Self Control

• Withholds effects of strong emotions in difficult situations.
• Keeps functioning or responds constructively despite stress.
• May apply special techniques or plan of time to manage emotions or stress.

Strategic and Innovative Thinking

• Recognises opportunities or potential problems, before they become obvious, by seeing the connections in a range of sources of information, including insights from outside DBSA.
• Restates complex knowledge in a way that makes it easier for others to understand.
• Experiments with new approaches, tests scenarios, questions assumptions and challenges conventional thinking.
• Creates new concepts that are not obvious to others, leveraging internal and external sources of information, to build incremental revenue and growth opportunities.

Teamwork & Cooperation

• Acts to promote a friendly climate and good morale and resolves conflicts.
• Creates opportunities for cross-functional working.
• Encourages others to network outside of their own team/department and learn from their experience.