To grow revenue, manage debt portfolio and maintain quality of collateral in line with the clients objectives over time. This includes to identify, source and secure multi-unit residential loans (with associated commercial property) with appropriate clients, to maintain prepayment compliance and asset quality. Duties Business development To source clients and loans by networking with market role players, identifying opportunities, developing a client and potential client database and build relationships with industry organisations.To identify market opportunities by conducting research, identifying available stock, and assessing market trends in line with TUHF requirements.To align and promote the brand and business model by engaging with market players and presenting the company approach as required.To maintain market and deal expertise by networking, participating in market discussions, engaging with stakeholders, evaluating past failures and successes, and building skills and experience. Assessment To source and evaluate potential clients in line with the company character assessment requirements, management experience and skills, identifying appropriate clients and building relationships.To evaluate the potential deal by reviewing the building, its location, gathering supporting documentation to assess the rights to build and trade.Assess the property market indicators and evaluate product, pricing and future potential in line with the Mortgage Loan & Credit Policy.To evaluate the construction risk by assessing the construction strategy, including procurement of professional and construction services, appropriate construction contracts, works information, adequate costing, communication, dispute resolution and defect management and develop a position for inclusion into the loan proposal as requiredTo develop financial services solutions by reviewing the feasibility, different structure options, understanding the risk profile, credit parameters, and the financial solutions to secure the deal, if prudent.To review property management solutions by reviewing proposal provided, evaluating sustainability and alignment with the client profile, making recommendations and including in the loan proposal as requiredTo complete the loan proposal by accurately reflecting client and project details, and terms and conditions, validating the data and information and presenting a credit proposal that is logical, persuasive and prudent.To secure support for loans from the Regional Manager or other manager by presenting the for discussion, amendment and approval as requiredTo agree the solution with the client by developing the term sheet and securing approval to proceed with the proposed structure, terms and obligations.To engage with clients by keeping them up to date on process, progress and decisions, communicating frequently and addressing any concerns or requests for additional information and providing feedback. Stakeholder relationship management To own relationships with existing and new clients by understanding their needs and managing expectations, and providing feedback and support as required.To proactively manage client risk by tracking performance in line with the agreements, visiting buildings and identifying areas of concern, engaging customers and implementing mitigating action as required.To resolve client queries and concerns by investigating the matter, understanding the solutions, implementing corrective action and providing feedback to clients. as required. Loan portfolio management To manage asset quality by visiting buildings, conducting building inspections, identifying property and asset management issues, engaging with clients and managing implementation of asset improvements regularly.To manage client portfolios by monitoring key property management (tenancy, arrears, utilities etc.) and financial (financial statements, payment behaviours etc.) and health and safety compliance, identifying areas of risk and engaging with clients to implement corrective action monthly and as required.To manage arrears proactively, addressing any issues, drive implementation of corrective action and follow up with clients to correct payment behaviour or implement other appropriate resolutions.To manage registration by monitoring compliance of pre-registration conditions, addressing compliance requirements with clients and driving timeous registration and transfer to optimise disbursements monthly and as requiredTo resolve cyclical compliance concerns by addressing the matters with the clients and driving resolution monthly and as requiredTo secure approval for changes to loan terms and conditions by developing the proposal, presenting the rationale, proposed amendments and impacts and detailing the risks and mitigating measures as required OtherTo mentor junior portfolio managers by providing guidance and assistance, engaging with and building skills around the TUHF lending approach RequiredNQF 7 in Commerce, Engineering, Quantity Surveying, Business Science or related areasA minimum of 8 years experience in the Commercial Property Finance environment