Lending Specialist

FirstRand Bank Limited; Johannesburg; On-site; ZAR 1,000,000 - 1,500,000; Full time

Job summary

FirstRand Bank Limited in Johannesburg offers a senior opportunity focusing on credit and lending solutions for high-net-worth clients. The role specialises in structuring sophisticated financing arrangements that meet the unique needs of wealthy individuals and families.

Key duties include designing customised lending structures, bespoke financing secured by asset types, and structuring credit facilities aligned with wealth management strategies.

Responsibilities

• Designing customised lending structures for complex client situations
• Creating bespoke financing arrangements secured by various asset types
• Structuring credit facilities that align with clients' wealth management strategies
• Developing innovative lending solutions that preserve investment positions
• Arranging tailored mortgages for luxury residential properties

Job description

Job Description

To focus exclusively on credit and lending solutions for high-net-worth and ultra-high-net-worth clients. The role specialises and is critical for structuring sophisticated financing arrangements that meet the unique needs of wealthy individuals and families.

• Designing customised lending structures for complex client situations
• Creating bespoke financing arrangements secured by various asset types.
• Structuring credit facilities that align with clients' wealth management strategies.
• Developing innovative lending solutions that preserve investment positions.
• Arranging tailored mortgages for luxury residential properties.
• Structuring loans secured by investment portfolios (securities-based lending).
• Creating aircraft and yacht financing solutions.
• Facilitating art-secured lending arrangements.
• Providing bridge loans for business transactions or real estate acquisitions.
• Structuring interest-only loans with flexible repayment terms.
• Analyzing complex income streams and asset portfolios.
• Conducting sophisticated credit analysis beyond traditional metrics.
• Evaluating collateral values for specialised assets.
• Determining appropriate loan-to-value ratios for various asset classes.
• Navigating exceptions to standard underwriting criteria for qualified clients.
• Collaborating with the relationship team during client meetings.
• Educating clients on leveraging strategies and their implications.
• Advising on optimal debt structures within overall wealth plans.
• Providing insights on interest rate environments and financing opportunities.

Important Closing Date Note Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below. 25/08/26 All appointments will be made in line with FirstRand Group’s Employment Equity plan.

The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.

Company Information

FirstRand provides a comprehensive range of financial services in South Africa and certain markets in broader Africa. The group also offers certain niche products and services in the UK and India. Listed on the Johannesburg Stock Exchange (JSE) and the Namibian Stock Exchange (NSX), FirstRand Limited is the largest financial institution by market capitalisation in Africa. The group follows a multi-branding approach. Its portfolio of financial services businesses includes FNB, RMB, WesBank, Ashburton Investments, Aldermore, MotoNovo and DirectAxis. Many are leaders in their respective segments and markets, offering transactional, lending, investment and insurance products and services The FirstRand Corporate Centre houses many of the critical functions required by a large and complex financial services group. The group's track record of delivering superior returns to shareholders has been achieved through a combination of organic growth, acquisitions, innovation and the creation of completely new businesses. The group’s purpose of delivering Shared Prosperity provides many opportunities for employees to innovate to address social and environmental challenges in our markets. All of our businesses have successful Volunteering programmes which also allow employees to adopt and support causes close to their hearts.