Careers

DEPARTMENT: Credit and Lending

  REPORTS TO: Supervisor

PURPOSE:

Providing support on credit risks related to lending applications and assist with credit decision process throughout the credit lifecycle and financial models to support in analysing and documenting the credit worthiness of borrowers, including reviewing the financial status of new and existing customers to determine their level of risk and make recommendations to the company.

 

MAJOR TASKS AND KEY PERFORMANCE INDICATORS:

Credit Risk Underwriting

  • Conduct credit and risk analyses associated with lending to clients including new requests, changed requests, refinancing, and annual due diligence, submitted by the loan officer and sales representatives.
  • Engage and interview prospective clients to verify and gather additional information.
  • Verify the validity of purchase orders and all supporting documents.
  • Provide performance credit reports and meet specified and agreed-to turnaround times.
  • Perform variance analysis on client application results that were rejected, keep track of credit risk, and offer recommendations for improvements.

Deal Execution/Approval

  • Post credit risk underwriting and prepare recommendations regarding a client’s creditworthiness based on credit risk analysis and assessment.
  • Submit analyses, findings, and recommendations to the Credit Committee particularly results pertaining to the borrower’s ability to repay.
  • Present the results of any essential assessments.
  • Assist in preparation and validation of funding proposal and credit deal agreement.
  • Structure deal conditions and securities.

Process and Business Optimisation

  • As part of the overall development of solutions to support business needs, defining business requirements, functional requirements, and process specifications for business funding.
  •  Create financial models to support the valuation of credit applications for both new and old clients.
  • Maintain up-to-date technical knowledge of financial instruments, market conditions, and trend to keep up with competitors.
  • Provide analysis of trends and forecasts and recommend actions for optimization.
  • Analyze previous outcomes, conduct a variance analysis, find trends, and make recommendations for improvements.
  • Guide the cost analysis process by establishing and enforcing policies and procedures.
  • Identify and drive process improvements, including the creation of standard and ad-hoc reports, tools, and dashboards
  • Continually review the company’s lending criteria and grow financial performance.
  • Perform market research, data mining, business intelligence, and valuation metrics.

Client Management

  • Take on the responsibility for new and incoming clients.
  • Perform ongoing risk management activities on successfully funded clients.
  • Identify cross-sell opportunities from analysis of Client’s financials, account conduct, and industry change and pass on to sales representatives as a lead.
  • Act as a contact for credit-related queries and resolve them timeously to ensure exceptional customer service.
  • Act as a contact for credit-related queries and resolve them timeously to ensure exceptional customer service.
  • Promote and reinforce the role of Allfin Global with clients and, constantly improve relationships with current and potential clients.

Financial and Compliance Management

  • Perform financial forecasting, reporting, and operational metrics tracking.
  • Evaluate financial performance by comparing and analyzing actual results with plans and forecasts.
  • Work closely with the finance team to ensure accurate financial reporting.
  • Review and evaluate the strategies, policies, procedures and practices related to granting of credit and ongoing management of portfolios of Allfin Global.
  • Interact with regulators and external credit assessment institutions when necessary.
  • Keep abreast of regulatory changes through regular training.
  • Compliance to FSCA requirements

 

 

MINIMUM QUALIFICATION REQUIRED FOR THE ROLE:

  • Bachelor’s degree in finance, accounting, or equivalent qualification in the related fields.
  • Regulatory exam- RE5

 

MINIMUM WORK EXPERIENCE REQUIRE FOR THE ROLE:

  • Minimum 4 years of Credit Risk Management experience
  • Minimum 2 Years of Supervisory experience
  • Minimum 1-year proficiency in financial modeling techniques
  • Minimum 1 year in Advanced Excel proficiency with formulas, functions, and finance software

 

PERSONAL     ATTRIBUTES Basic  Moderate   Advanced 
Strong quantitative and analytical skills    

X

Financial Modelling    

 X

Knowledge of industry    

X

Business Development    

X

Process and detail-oriented with ability for sound judgment    

X

Written and verbal communication skills  

X

 

 

Apply online on or before 10 August 2022. 

DEPARTMENT: Operations REPORTS TO: Supervisor

 

PURPOSE:

Assist borrowers in applying for a loan and evaluate loan applications, authorize approval or deny loan applications.

 

MAJOR TASKS AND KEY PERFORMANCE INDICATORS:

Deals evaluation and recommendations

  • Assists the Fund supervisor with funding applications and other relevant activities.
  • Prepares and submits timely and accurate funding/loan application files to risk analyst.
  • Corresponds with applicants to improve application and conducts interviews to determine the feasibility of granting a loan
  • Consults with clients about their lending needs to help them achieve their financial goals, including the collection and analysis of information about the client’s financial situation.
  • Compile and Review credit reports.
  • Calculate all applicable accounting ratios, metrics, and recommendations from risk analyst and set up debt payment plans if approved.
  • Whenever necessary and appropriate, conducts pre-approval evaluations to determine the management and technical capability of the applicant to manage the funds.
  • Justify decisions (approvals/rejections) and report to applicant.
  • If the applicant is approved, complete loan agreements by explaining provisions to the applicant, obtaining signatures and notarizations, and collecting monthly repayment fees.

Finance Process and Compliance Management

  • Reviews the process and makes recommendations to Supervisor based on identified trends
  • Ensures that activities and deliverables relating to funding are achieved on schedule, in accordance with approved specifications and within the allocated budget.
  • Operate in compliance with laws and regulations and adhere to lending compliance guidelines.
  • Maintain and ensure that monthly account records are up to date and report any irregularities.
  • Ensure client relationships based on trust, that are client centric
  • Develops referral networks, suggest alternate channels and cross-sell products and services to accomplish targets.
  • Maintains knowledge of Allfin Global products, services, and policies; updates documentation as and when requested.
  • Ensures compliance to the requirements of FSCA

 

MINIMUM QUALIFICATION REQUIRED FOR THE ROLE:

Degree, Diploma, or equivalent qualification in Finance, Accounting, or other business-related fields.

 

MINIMUM WORK EXPERIENCE REQUIRED FOR THE ROLE:

  • Minimum 3 Years loans/funding industry experience
  • Proven working experience as a Loan Officer
  • Regulatory Exam RE05

 

PERSONAL     ATTRIBUTES Basic  Moderate   Advanced 
Understanding of direct/indirect lending products and practices     X
Dedication, commitment, self-motivation and resilience     X
Customer satisfaction orientation and sales competencies     X
Strong interpersonal, collaboration and negotiation skills     X
Analytical skills with ability for sound judgment     X
Quality focus and detail-oriented   X  
Written and verbal communication skills   X  
Time management and goal-oriented   X  
Knowledge of financial software   X  

 

 

Apply online on or before 10 August 2022. 

DEPARTMENT: Operations

REPORTS TO: Branch/Regional/General Manager      

 

PURPOSE:

Responsible for the day-to-day fund operations and oversees the entire sales team. The Manager: Business Loans will develop, implement, and manage processes, procedures, and systems to ensure effective financial management of the funding business and activities linked to the products.

 

MAJOR TASKS AND KEY PERFORMANCE INDICATORS:

Operations Management

  • Managing day-to-day operational activities of the funding business unit and including supporting and overseeing loan lifecycles.
  • Monitoring of ongoing due diligence, including working closely with the sales team to help identify, create, and preserve operational effectiveness across Allfin Global Fund initiatives.
  • Oversee management of Allfin Global stakeholder relationships and various SLAs.
  •  Oversee other fund administrative and operational activities as required by the Allfin Global Executive Management.
  • Drive the funding business to sustainable agreed growth levels.
  • Training and Performance Management of the Team.
  • Constantly monitor and improve financial performance to ensure sustainable profitability exceeding set targets.
  • Manage and optimize the budget, ensuring all expenditure is in line with the agreed budgets.
  • Monitor costs and determine initiatives to optimize resources.
  • Update and reconcile monthly cash flow statements.
  • Manage customer complaints and queries received.
  • Understand customer needs and develop and fine-tune products and systems accordingly.
  • Identify trends and patterns pertaining to customer requests and needs to continually improve all aspects of service delivery.
  • Create accessible platforms for both pre and post-customer service.
  • Prepare regular management reports and recommend opportunities for improvement.
  • Identify new business prospects and develop products to ensure pricing and services are competitive.
  • Manage ad-hoc strategic projects.

Deal Administration and Systems Optimisation

  • Assist to coordinate with the credit analysts to verify the data received from clients’ applications.
  • Verify that purchase orders and other supporting documentation are valid.
  • Whenever necessary, assist with the preparation of confirmatory documents and all other deal-processing tasks.
  • Manage fund procurement, credit facility providers, and supplier contracts.
  • Draft funding offer proposals and contracts for approval by the committee.
  • Manage Allfin Global technology platforms for funding services.
  • Implement improved processes.

Legal and Compliance

  • Control legal and regulatory compliance with respect to the business fundings and other financial services, i.e., NCR, FAIS, POPIA, etc.
  • Ensure that all policies and procedures related to the funding business and other applicable laws are developed, put into effect, managed, maintained, and communicated.
  • Manage FICA requirements on bank accounts.
  • Manage compliance reporting and communication.
  • Inform Allfin Global of the impact of new regulations.

 

MINIMUM QUALIFICATION REQUIRED FOR THE ROLE:

  • Bachelor’s degree, Diploma, or equivalent in business management, or Risk Management, or other business-related fields.
  • Regulatory Exam – RE01 and RE05
  • Registration as a Key Individual is an added advantage

 

MINIMUM WORK EXPERIENCE REQUIRE FOR THE ROLE:

  • Minimum 3 years in financial services sector operations.
  • Inbound and/or Outbound Call Centre Experience
  • Minimum 2 years of supervisory experience
  • Minimum 1-year proficiency in Microsoft Office Packages, Particularly Excel, and Finance Software

 

PERSONAL     ATTRIBUTES Basic  Moderate   Advanced 
Leadership and supervisory experience.    

X

Excellent attention to detail    

X

Strong interpersonal, collaboration and negotiation skills    

X

High level of problem-solving ability    

X

Business Process optimisation    

X

Excellent written and verbal communication skills    

X

Legal and Compliance Management    

X

Strong Analytical Skills    

X

 

Apply Online on or before 10 August 2022.

DEPARTMENT: Sales REPORTS TO: Supervisor

 

PURPOSE:

Promoting Allfin Global business funding product in the market using strategies that maximize sales and contributing to the sales
growth in an assigned territory by increasing awareness, developing networks, providing information on Allfin Global products to
potential customers and clients.

 

MAJOR TASKS AND KEY PERFORMANCE INDICATORS:

Sales and Deal Administration

  • Generate sales leads by researching new and existing businesses and technology in preparation for acquiring new business.
  • Attend events and opportunities that will ensure high lead conversion and secure sales.
  • Determine customers’ funding needs and prepare proposals to sell Allfin’s products.
  • Compile and submit deals to the fund officer with the relevant and necessary paperwork in accordance with the requirements of Allfin Global.
  • Act in coordination with other team members and departments to optimize the sales effort.
  • Collaborating with the funding team on prior authorisation and submissions to expedite the funding process.
  • Develop prospects from current commercial customers, referral leads, sales and trade meetings
  • Support all company initiatives, give actionable feedback, share best practices, and serve as an advocate for information source for Allfin Global.
  • Meet and/or exceed set sales and other performance targets.
  • Performing additional customer support duties as assigned by management or other authorities.

Marketing Management

  • Devise marketing campaigns with the goal of increasing product awareness, sales, and profits.
  • Engage with prospective customers via promotional methods such as inbound/outbound calls, emails, and social media in order to present information and explain available service.
  • Preparing and conducting presentations on Allfin Global business funding products and service offerings.
  • Work closely with marketing teams to create programs, plan, organize, and execute marketing and sales programs.
  • Review business trends in order to advise management and customers regarding current marketplace information on pricing, products, new products.

Client Relations Management

  • Discover customers’ needs and offer solutions to them through the Allfin Global services or products.
  • Track all sales activities in Allfin Global system and keep current by updating account information regularly.
  • Communicate customer and prospect product pain points to appropriate departments.
  • Resolves customer complaints by investigating and suggesting/ solutions.
  • Establish and maintain a well-developed pipeline of prospects and long-term relationship with clients to generate repeat business.

Legal and Compliance

  • Staying abreast of industry trends and participate in professional organizations within the SMME Funders industry to enhance sales opportunities.
  • Ensuring that Allfin Global sales communications and marketing material are in line with the appropriate legislation across all touchpoints in which you communicate directly with a consumer.

 

MINIMUM WORK EXPERIENCE REQUIRE FOR THE ROLE:

  • Minimum 3 years sales or business development experience
  • Minimum 3 years customer facing experience
  • Minimum 2 years business lending/loan experience

 

PERSONAL ATTRIBUTES Basic Moderate Advanced
Dedication, commitment, self-motivation, resilience, and a passion for winning

X

Ability to multi-skill and multi-task

X

Strong interpersonal, collaboration and negotiation skills

X

Process and detail-oriented with the ability for sound judgment

X

Written and verbal communication skills

X

Experience working in the outbound space

X

 

Apply Online on or before 07 August 2022.

We have various security positions in our company and are looking for suitable candidates who possess the requisite skills, knowledge, and abilities to perform security duties at various levels.

Candidates who meet the following requirements can submit their applications by clicking on the application button:

  • Valid security industry license or accepted certificate of security competence
  • Registered PSIRA Grades
  • Firearm competency
  • Valid driver’s license code 8
  • Previous experience as a police officer, military police officer or security officer
  • No criminal record/Police clearance

Apply Online