Lending Specialist

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.

• 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

• 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

• 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

• 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

• 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.

Job Details Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below
18/02/26

All appointments will be made in line with First Rand 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.