Regional Head: Commercial Property Finance

African Bank; Wes-Kaap; On-site; ZAR 800,000 - 1,200,000; Full time

Job summary

A leading company in the banking sector is looking for a Property Finance Manager to strategically drive business growth and manage a comprehensive portfolio of property finance clients. The successful candidate will have extensive experience in financial services and lead a skilled team, ensuring compliance with banking regulations while providing outstanding client service.

Qualifications

• Minimum 8+ years working experience in commercial property finance.
• 5+ years’ experience in a managerial role within banking or financial services.
• Deep understanding of financial principles and banking regulations.

Responsibilities

• Develop and implement strategic plans for business growth in property finance.
• Lead a team of property finance professionals to meet performance goals.
• Assess market trends to identify opportunities and mitigate risks.

Skills

Strategic Planning

Financial Analysis

Team Leadership

Client Relationship Management

Market Trend Analysis

Education

Post Graduate degree in Finance, Accounting, Economics

Tools

Data Analysis Tools

Job description

MAIN PURPOSE OF THE JOB

• To develop and implement strategic plans to drive business growth, managing a portfolio of property finance clients, and ensuring compliance with banking regulations and policies.
• Responsible for building and maintaining relationships with clients, evaluating financial proposals, and providing expert advice on financing solutions.
• Required to analyze market trends to identify opportunities and risks and collaborate with other departments to enhance service delivery and client satisfaction.
• Lead a team of property finance professionals, setting performance goals, and ensuring the team meets or exceeds targets.

MINIMUM EDUCATION

• Post Graduate degree in Finance, Accounting, Economics or equivalent qualification, will be a preference.

MINIMUM EXPERIENCE

• Minimum 8+ years working experience in commercial property finance or real estate, with 5+ years’ experience in a managerial role within the banking or financial services industry

CRITICAL COMPETENCIES

• A deep understanding of financial principles, banking regulations, and property finance
• Ability to lead, motivate, and manage a team effectively
• Capacity to assess complex financial information, identify trends, and make informed decisions
• Ability to develop and implement long-term strategies that align with the banks goals
• Ability to design and structure property finance deals that meet the needs of both the client and the bank
• Skill to adapt to changing circumstances and manage multiple priorities in a dynamic environment
• Exceptional ability to build and maintain relationships with business clients, internal teams, and external stakeholders
• Strong written and verbal communication to present complex financial information
• Forward-thinking approach to anticipate client needs and market conditions
• Proficiency in using data analysis tools and software to generate reports and insights
• Commercial and financial acumen

KEY PERFORMANCE INPUTS / ACTIVITIES

Strategy Implementation

• Implement strategic plans that align with the CPF National Strategy and bank's overall objectives. This involves setting financial and operational goals for the region and determining the best ways to achieve them
• Conduct thorough market research to identify trends, opportunities, and challenges in the property finance sector. Using this information to inform strategic decisions and competitive positioning
• Establish performance metrics to evaluate the success of strategic initiatives. Regularly reviewing and adjusting strategies to ensure they remain effective
• Create strategies to expand the bank's property finance client base and increase market share. This includes identifying new business opportunities and fostering relationships with key stakeholders

Business Development

• Identifying and pursuing new business opportunities in the commercial property sector
• Creating and executing business development plans to meet revenue and growth objectives
• Conducting thorough research to understand market trends, customer needs, and competitor strategies
• Developing new financial products or services tailored to meet the needs of clients in the property sector
• Preparing and delivering presentations to potential clients and stakeholders
• Forming strategic collaborative relationships with other business units to offer comprehensive solutions to clients
• Negotiating contracts and terms with clients to secure deals
• Implementing programs and services that enhance customer satisfaction and loyalty
• Reporting on business development activities and outcomes to senior management

Region Financial Performance

• Manage and optimize real estate-related assets to maximize returns. This involves evaluating property portfolios and identifying opportunities for asset enhancement or divestment
• Develop and manage the regional budget, forecasting future financial performance, and ensuring alignment with the bank's financial objective
• Regularly monitor budget performance against targets, identifying variances, and implementing corrective measures
• Collaborate with various stakeholders, including finance teams and department heads, to ensure a shared understanding of budgetary constraints and priorities
• Ensure adequate liquidity levels are maintained to meet operational needs and client demands. This involves closely monitoring cash flows and funding requirements
• Advise on the allocation of capital across various property finance projects to ensure optimal returns and alignment with the bank's strategic objectives
• Develop strategies to increase revenue through enhanced customer engagement, new business opportunities, and cross-selling banking products
• Implement strategies to optimize resource allocation and manage operational costs effectively in the region
• Prepare and analyze balance sheet reports to provide insights into financial performance
• Identify, assess, and mitigate financial risks associated with the balance sheet, such as interest rate risk and currency risk

Risk Management and Reporting

• Continuously identifying potential risks related to property finance activities, including market, credit, and operational risk
• Develop and implement strategies to mitigate identified risks, establishing controls, and ensuring compliance with regulatory requirements
• Prepare detailed reports for senior management, providing insights into the region's financial performance and operations
• Utilize dashboard to present reports to enable decision making

Client Retention and Management

• Establish strong, long-term relationships with clients by understanding their needs and providing personalized service
• Attend industry events, seminars, and conferences to connect with potential clients
• Implement systems to gather and analyze client feedback. Using this information to make improvements and address any issues promptly
• Keeping clients informed about new products, services, and changes in the market
• Monitor market trends and competitor activities to ensure the bank remains competitive. Adjusting strategies accordingly to retain clients and prevent attrition