m*****w
About Candidate
I am a South African, non-practising, admitted attorney (legal practitioner) with a unique balance of creative vision, smart business sense, proven ability to direct alternative loan structures from ideation to finalisation, with an inherent knack for recognising risk and inefficiencies, improving on past performance, developing and implementing drastic time-saving and cost-cutting measures and natural personnel management and mentorship skills.
I have more than 10 years of experience in legal and finance. I have a career record of managing a loan book of more than R180 million. I love taking existing work procedures and turning them into something more efficient. I think like a shareholder, making decisions as though it were my business and my money on the line. I am skilled at creating solutions, navigating and leading multiple stakeholders at once. I am looking for Management, Leadership or Director roles where I can apply the full breadth of my skills and experience as part of an ambitious team.
-Detail-oriented listener providing innovative and elegant solutions to complex problems.
-Management of credit, risk, legal and compliance with large volumes of transactions and clients.
-Entrepreneurial approach to leadership, backed by experience in result-driven, fast and efficient service delivery.
-Exceptional communication, networking and people skills.
-Fostering, managing and motivating productive working relationships.
Location
Education
Work & Experience
Sentinel Homes is the first company in South Africa to provide an alternative to mortgage finance in the open market in the form of instalment sale home loans. Reported to the MD, with direct responsibility to cultivate the company’s reputation in the market to secure sustainable loan book growth; Identified business opportunities & achieved growth above 2 100% in four years; exceeded shareholders' expectations, outperforming projections & attaining double-up growth for four consecutive years. Helped develop, implement, structure & launch a novel home loan finance product offering. Chaired the Credit & Risk Committee & headed the Credit Department; led & trained credit, finance & administration teams. Created, designed, and authored all documentation – from correspondence to quotations, contracts & securities. Enforced & ensured compliance within the statutory framework for credit and data protection; analysed, examined & calculated feasibility of loan applications & determined risk, creditworthiness & affordability; coordinated & controlled credit process from enquiry to approval & execution as well as compliance. Facilitation of loan application process, established & built client relationships & negotiated contracts; measured performance. Structured loan transactions to be viable & in line with board approved credit & risk mandates; processed payments. Drove & managed all collections & legal matters; instructed external legal teams; signed off all legal documents and accounts. Planned & implemented strategies to save time & costs; implemented two-day turnaround times for home loan applications; consolidated data processing & created, programmed & customized a centralised & standardised loan processing platform for fast, easy & efficient service delivery. Boosted sales by writing marketing material & case studies for a better understanding of product offerings; handled social media. Mitigated business risks, monitored & identified concern areas; reduced doubtful & bad debts to an all-time low & sustained it. Liaised with clients & stakeholders & managed expectations; taking minutes at board and shareholder meetings.
Providing innovative finance solutions to clients who are often overlooked or underserviced by the banks, despite being creditworthy & able to afford the finance. Offerings include property bridging finance for property owners and property practitioners, invoice discounting, asset-backed finance and merchant/business finance. Managed marketing and credit teams to ensure only the best and most efficient service delivery. Planned & implemented strategies to save time & costs. Assessed credit and legal risks. Draw up loan and security documentation; process payments; monitor repayments; enforce loan agreements and compliance; managed litigation. Boosted sales by writing marketing material & case studies for a better understanding of product offerings; handled social media. Mitigated business risks, monitored & identified concern areas; reduced doubtful & bad debts to an all-time low & sustained it. Liaised with clients & stakeholders & managed expectations; prepare reports and took minutes at board and shareholder meetings.
