Candidate Requirements

Loan origination

• Review and evaluates loan applications and documentation for completeness.
• Preparing, reviewing, and analysing the creditworthiness of all business loan originations and refinances 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 compliance with business/credit rules, relevant regulations, and internal policies and guidelines.
• Deal with refinancing requests.
• 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 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.

Qualifications:

• Accounting or business qualification (will consider comparable experience)
• 5 years of work experience in loan origination/administration
• Familiarity with loan administration, accounting and banking applications/software
• Financial/accounting skills with the ability to understand and interpret financial statements, historical trends, budgets, projections, management performance, industry and cash flow information.

Additional Requirements:

• Strong analytical skills (data analyses)
• Excellent excel skills (pivots, lookups).
• Strong administrative skills.
• Solid understanding of lending products and practices
• Negotiation skills
• 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
• Deadline driven (sense of urgency) at all times
• Problem solving
• Customer satisfaction orientation and sales competencies
• 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