Job Description
To structure and spot opportunities for lending deals within a prescribed HNW and UHNW portfolio of clients. This role entails considered evaluation of the applicant and related parties' financial position, credibility, stability, security, business case viability and overall wealth generation strategy across operating and investment entities. It demands prudent discretionary judgement regarding the deal assessment and in-depth knowledge of the client and group structure. The specialist is required to work collaboratively and must be a strong team player
Hello Future Structured Credit Specialist
Welcome to FNB, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us incredibly proud of people that make it happen.
As part of our team in FNB Retail Judgemental Credit, you will be surrounded by unique talents, diverse minds, and an adaptable environment that lives up to the promise of staying curious. Now's the time to imagine your potential in a team where experts come together and ignite effective change .
Are you someone who can:
Support and manage a portfolio of HNW &UHNW clients
Attend client meetings together with the lending specialist and advisory team
Deep knowledge of the client and larger group structure across all pillars (lend, invest, insure and transact)
Understand the client's wealth creation strategy; immediate lending need vs unlocking value, optimizing the balance sheet and spotting lending opportunities.Operating and Investment entities within the group in respect of financial ratios, cash flows, trends; historic performance, sustainability, projections and future aspirations ; industries the client is operating in (upsides, risks, trends etc) ; various lending products available to solution for the client across FSR; risk vs Reward principles and overall value proposition.
Structuring the deal and compiling the credit paper
Present the request to the relevant mandated individuals or committees
Explain the credit outcome, covenants, structure and process to the client and sales teams
You will be an ideal candidate if you can:
Track and monitoring ongoing risk relevant to a client group, as well as deal specific reviews and
covenants
Flag and unpacking economic and industry trends/risks within the portfolio
Engage various stakeholders across FSR to ensure client level decisioning and solutions
Pro-actively manage risk vs triggers/events
Deliver customer experience excellence aligned to Organizational values and service standards
Innovate and have an efficient mindset to constantly improve the overall value add and client experience of this base with a cost reduction and management mindset
You will have access to:
Opportunities to network and collaborate
A challenging working environment
Opportunities to innovate
We can be a match if you have:
A BCom Finance / Accounting (CA advantageous)
A business acumen with 1-3 years plus credit experience
A deep understanding of financial statement analysis and credit risk assessment
The ability to model cash flows for debt service considering industry and company specific information; building
assumptions for forecasting; key ratio analysis and covenant construction
Dealmaking and solutionist mindset
Excellent communication and collaboration skills with both internal and external customers (sales, credit & risk community, clients etc.)
Self-motivated, work independently and within a group, attention to detail, high level of integrity Writing, speaking and presentation skill sets
