Lending Specialist

firstrand; Pretoria; On-site; ZAR 80,000 - 120,000; Full time

Job summary

A leading financial institution is seeking a credit and lending specialist to design innovative financing solutions for high-net-worth individuals and families. The successful candidate will structure bespoke lending arrangements, conduct sophisticated credit analysis, and deliver personalized client education on optimal financing strategies. This role offers the opportunity to thrive in a sophisticated environment focused on delivering exceptional service and creating tailored financial solutions.

Qualifications

• Proven experience in credit and lending for high-net-worth clients.
• Ability to analyze complex income streams and asset portfolios.
• Expertise in structuring bespoke financing arrangements.

Responsibilities

• Design customized lending structures for complex client situations.
• Structuring loans secured by investment portfolios and luxury assets.
• Advise clients on optimal debt structures within their wealth plans.

Skills

Credit analysis

Financing solutions

Client consultation

Structured finance

Risk assessment

Job description

Time left to apply: End Date: June 18, 2025 (1 day left to apply)

Job requisition id: R35079

Job Description

This role focuses exclusively on credit and lending solutions for high-net-worth and ultra-high-net-worth clients. It 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 aligned 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

Job Details

Note: Applications will not be accepted after June 18, 2025. Please submit your application before the deadline.

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. Candidates may disclose disability information voluntarily; this will be kept confidential unless required by law.

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About Us

FNB serves retail and commercial customers, offering banking, insurance, savings, investment products, and digital solutions. Recognized globally, FNB has won multiple awards, including the Strongest Banking Brand in the World (2023). Join us to build a rewarding career and make a meaningful impact.