Loan Management Specialist

3 days ago

Midrand, South Africa DBSA Full time

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.

**Key Responsibilities**:
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

**Expertise & Technical Competencies**:
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.
- 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 effici

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