Purpose of the role<\/p>\n
\tThe IPRE Credit Head will be responsible for the credit origination strategy as well as independent credit assessment, structuring, approval recommendation, and ongoing risk management of Income Producing Real Estate (IPRE) exposures, ensuring alignment with the bank\u2019s credit risk appetite, policies, and regulatory requirements.<\/p>\n
Key Responsibilities<\/p>\n
\tOwn product policy in terms of annual refinement of the IPRE credit policy and risk appetite framework.
\n\tOriginate and independently assess IPRE credit applications, including new facilities, renewals, and amendments.
\n\tPerform in-depth financial analysis of property cash flows, borrower financial statements, and tenant profiles.
\n\tAssess property fundamentals such as location, quality, tenant concentration, lease terms, and vacancy risk.
\n\tReview valuation reports, stress assumptions, and loan-to-value metrics.
\n\tStructure facilities with appropriate covenants, pricing, and security to mitigate credit risk.
\n\tPrepare clear, well-reasoned credit submissions and present recommendations to Credit Committees.
\n\tMonitor approved IPRE portfolios, including covenant compliance, revaluations, and early warning indicators.
\n\tEngage with deal teams, legal, valuations, and risk functions to ensure effective transaction execution.
\n\tSupport management of distressed or watchlist accounts, including remediation strategies.<\/p>\n
Key Requirements<\/p>\n
\tRelevant tertiary qualification in Finance, Accounting, Property Studies, or a related field. (CA\/SA is ideal)
\n\tStrong experience in IPRE or Commercial Property credit risk (typically 5\u20138+ years).
\n\tSolid understanding of property valuations, cash-flow modelling, and credit structuring.
\n\tProven ability to exercise sound credit judgement and operate independently.
\n\tStrong written and verbal communication skills, particularly for credit papers and committee presentations.
\n\tGood understanding of regulatory and internal credit governance standards.<\/p>\n
End Date: April 27, 2026<\/p>\n
go to method of application \u00bb<\/p>\n
Apply via company website ( ) or<\/p>\n
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