Job Description

Empowering Africas tomorrow, togetherone story at a time.With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.Job Summary The Consultant CPF will be appointed in the Gauteng Commercial Sandton office. The successful candidate will be responsible for originating and managing commercial property finance transactions across market segments including wealth, business and commercial banking. The role requires a close working relationship with portfolio, credit, DocMan, PCG and internal legal teams to originate and successfully execute these transactions. A minimum of 5 years experience in Commercial Property Finance as a transactor/relationship banker with strong credit analysis and financial modelling skills essential.
The ideal candidate should have;
NQF Level 6: B Degree Bachelor's degree in Quantity Surveying or Property Management or
Finance/ Commerce or BSc Properties Studies.Job Requirements.Source, secure and maintain Commercial and Residential opportunities in the Property Financeenvironment/ market and respond by making presentations and pitching products and ideas to both
within ABSA group and external potential clients.

• Develop and implement actions to achieve the profit objectives in terms of growth and returns, to

meet and exceed sales and or customer targets.

• Facilitate and identify best practice trends in the CPF market regarding sales and market penetration according to global industry trends.
• Develop, retain and manage a portfolio of customers and continue to build strong, long term

relationships.

• Understand customers needs and service those needs by resolving sales related customer queries and issues, ensuring that issues that can't be resolved are escalated to Management.
• Manage new applications by obtaining the required documents to facilitate applications and

structuring of deal conditions.

• Responsible for providing content of credit applications that are comprehensive, clear, concise and of a high standard.
• Develop a greater awareness of cross selling opportunities to client base to introduce other specialists within Business Banking or Wealth to CPF clients to optimise greater share of wallet.
• Focus on book retention and portfolio management, acquiring new business through external and

internal networks.

• Research, create and follow up a target list for potential new business.
• Keep up to date on Commercial Property Finance Products, market trends and customer needs by

regularly engaging with customers in order to obtain a more tailor made customer solution.

• Establish and maintain good professional relationships with clients so as to remain abreast of their

needs and issues.

• Establish and maintain good professional relationships with all key Absa staff and management.
• Demonstrate decision making capabilities and the willingness to show initiative.

Accountability: Deal Structuring

• Devise new loan structures that meet the client's needs taking into consideration sound financial

feasibility and risk principles.

• Negotiate acceptance of new property finance opportunities

Accountability: Team Work

• Develop and maintain healthy working relationships with all Commercial Property Finance internal

support areas.

• Provide feedback into the performance review of other members of the team.
• Participate in industry dialogue and share learnings with team members.

Accountability: Deal execution

• Interpret and prepare cash flow projections, property valuations, development costs and sensitivities analyses in order to compile a comprehensive property finance application.
• The responsibility for ultimate disbursement of the loan remains with the Consultant from initial

client engagement until final disbursement, through the continuous engagement with the various
support areas including but not limited to Building Project Management, Legal, Valuations, Docman
and Middle Office.
Accountability: Risk management

• Manage high risk customer accounts together with the Credit, CPF Monitoring and Control teams

according to standard operating procedures to minimise impairments.

• Ensure that all legal, regulatory and Business Banking policy processes and procedures are adhered to

in all transactions facilitated.

• Ensure that transactions comply in all respects with Absa's risk and compliance policies and

procedures as well as legal and regulatory requirements.EducationBachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.Absa Bank Limited reserves the right not to make an appointment to the post as advertised

Absa