- effectively, efficiently and professionally manage a team of credit analysts evaluating the credit worthiness of home loan applicants- ensure that credit decisions made by the credit analysts are sound and in compliance with Chartwell's credit policies- to ensure that home loan applications are at all times treated with dignity and that credit decisions are made properly and speedily- to monitor the overall performance of individual credit analysts and the credit team to ensure quality decisions are made and within the capacity constraints of the credit team- to review from time to time, together with the Chief Investment Officer, the credit policies- to review the credit systems and procedures to ensure that best practices are adopted from time to time and protocols adopted by the credit analysts to achieve the most efficient and professional handling of home loan applications- to provide weekly reports on the status of applications under review, applications approved and declined applications in respect of each development- to ensure the credit team complies with all relevant rules, codes of conduct, laws and regulations and other requirements set by the National Credit Act- to ensure credit analysts efficiently and professionally deal with all applicants or customer queries or complaints, and ensuring proper written records of complaints are maintained- where required, to train colleagues on Chartwell's credit approach, processes, reports and policies

- Appraisal of residential and mixed use projects- Coordinating the collaboration between the project development team with finance, legal and operations - Conducting feasibility studies using information provided from the client - Structuring commercial property finance deals for residential and mixed use projects- Preparing and writing development proposals for credit committee- Managing multiple development projects from a financing and strategic perspective- Presenting potential deals to the credit committee for loan approval- Conducting building inspections and desktop valuations- Intermediate estimating, scheduling and analysis of projects- Mentor entrepreneurial clients from the start of the appraisal to the completion of development project- Evaluate the clients ability in terms of financial expertise and to manage the building- Assess the building and collect all the relevant information for the subject property- Analysis of the construction of the building including design team and contractor- Evaluate how the property will be managed i.t.o credit control, leasing, utilities, maintenance and security- Cultivate customers in terms of the character assessment that fits the company profile- Co-ordinating payment request for multiple construction projects- FICA Compliance (credit checks, KYC – know your client, etc.)Key performance areas also include relationship management; customer service; portfolio management, property management and credit control.

Lending and Risk Management :- Interpreting and Analysing business and financial information - Project feasibility assessment- Preparing financial and credit interpretation (ratios, trends etc) - Provide insights and feedback on interpretation of client credit position- Originate, collect information, draft documentation for collateralisation- Interpretation and implementation of Company Mortgage Financing and Credit Policy- Analysis financial material (debtors lists, management accounts, cash flow budgets)- Manage the preparation of and amendments to loan proposals and conditions of approval- Arrears ManagementPortfolio Management :- Loan Maintenance Administration- Coordinate the completion of loan withdrawals (and drawdowns)- Update and maintain client and loan information- Complete and file portfolio management documentation by gathering information, capturing, completing and filing as per filing standards within SLA- Action internal portfolio reports by completing the report, checking for accuracy and completeness and distributing as per TUHF’s procedures and within agreed timelines. Compliance and Approval :- Applications- FICA- Loan File Administration- General Compliance- Customer Relationship and Management :- Serve as a secondary point of contact for all clients within the portfolio and acts as relationship manager- Perform a pro-active liaison role between the client and all other internal operations- Assist clients with general loan account management by reviewing account information, engaging with clients, providing guidance and support and reporting on an on going basis.- Query and complaints management, Manage that client service expectations are met and exceeded

- Assess the risk & potential risk in business applications for new & additional lending- Analysis of information gathered in order to determine current and possible future risk:- Gauge two main types of Risk (Loan to Value, and Serviceability). - Security Risk (Suretyships / cession of insurance policies / Bond and title deed whereabouts)- Make recommendations in keeping with abovementioned findings.- Evaluate financial statements, property asset risk and securities in relation to client’s Total Liability.- Assessing the covenants on property listed funds (eg: gearing, interest cover, secured assets to debt).

Debt Recovery & Monitoring:- assist the Loss Control Team to achieve our annual targetsLoss Control Administration:- provide support and feedback to the Loss Control Managers on all aspects of Loss ControlReporting:- ensuring the accuracy and timeous reporting of the monthly Loss Control pack Valuations & Insurance:- update the SAP system with the relevant valuation and insurance information and ensure that it remains updatedReconciliation Calculations:- ensure and maintain timeous, accurate and quality calculations for the manual client reconciliation statementsRisk Management:- stay updated on Basel, Compliance, Loss Control Policy, Expiries, Internal and External AuditService Provider Payments:- ensure the timeous and accurate processing of the monthly payments to our service providers

Client Satisfaction:- provide internal and external client satisfaction by ensuring service excellence in dealing with client and/or internal queriesPre-Registration Administration- administration and control of credit approval and registration processPost-Registration Administration:- administration and control of cancellations, releases and deal variation processesData & Systems Integrity:- ensuring that the SAP data is loaded correctly, accurately and is current at all timesDocumentation Quality & Maintenance:- all documentation and correspondence to be prepared professionally and accurately

Debt Recovery & Monitoring:- assist the Loss Control Team to achieve our annual targetsReporting:- ensuring the accuracy and timeous reporting of the monthly Loss Control pack Valuations & Insurance:- update the SAP system with the relevant valuation and insurance information and ensure that it remains updatedReconciliation Calculations:- ensure and maintain timeous, accurate and quality calculations for the manual client reconciliation statementsRisk Management:- stay updated on Basel, Compliance, Loss Control Policy, Expiries, Internal and External AuditService Provider Payments:- ensure the timeous and accurate processing of the monthly payments to our service providersTraining:- knowledge sharing and training the credit controller on various Loss Control and Collection procedures