FirstRand Corporate Centre

Lending Specialist

FirstRand Corporate Centre  •  Johannesburg, ZA (Onsite)  •  2 days ago
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Job Description

Hello future Lending 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.

Now’s the time to imagine your potential in a team where experts come together and ignite effective change.

A lending specialist is a dedicated expert who focuses exclusively on credit and lending solutions for high-net-worth and ultra-high-net-worth clients. Their specialized role is critical for structuring sophisticated financing arrangements that meet the unique needs of wealthy individuals and families.

Credit Solution Development

  • Designing customized 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

Specialized Lending Products

  • 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

Risk Assessment and Underwriting

  • Analyzing complex income streams and asset portfolios
  • Conducting sophisticated credit analysis beyond traditional metrics
  • Evaluating collateral values for specialized assets
  • Determining appropriate loan-to-value ratios for various asset classes
  • Navigating exceptions to standard underwriting criteria for qualified clients


Client Consultation

  • 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

Minimum Requirements

  • FSCA Recognised Qualification
  • Minimum NQF Level 7 Degree
  • RE5
  • 10 Years of overall experience in the Financial Services Industry, of which 5 years of experience in a complex lending role.

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.

09/04/26

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.

FirstRand Corporate Centre

About FirstRand Corporate Centre

The FirstRand Corporate Centre houses many of the critical functions required by a large and complex financial services group. The Corporate Centre’s stakeholders are external, such as regulators, shareholders, global developmental institutions and government; and also internal, mainly the market-leading businesses that service the group’s customers. These critical functions cover risk, compliance, governance, internal audit, treasury, finance and tax amongst many others. They require deep specialist and technical skills and ultimately represent the custodianship of the FirstRand group’s licence to operate.

Employees of the Corporate Centre develop a very unique perspective of the group because nowhere else can you own or be part of a mandate that operates across the portfolio. This allows for both big picture thinking and operational learning. It is also a great place to drive collaboration and a place to have a significant impact.

The Corporate Centre has adopted a blended approach to working, with a focus on balancing remote working and connections with colleagues in the workplace. Face-to-face interactions remain important to its way of working as these connections protect the business’s social capital, which is key to ensuring that FirstRand’s unique culture stays alive and continues to thrive.

Industry
Finance & Insurance
Company Size
1,001-5,000 employees
Headquarters
Sandton, ZA
Year Founded
Unknown
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