Portfolio Manager, Corporate & Mortgage Loans

Role Overview

This role centres on safeguarding the bank’s asset quality by actively monitoring and controlling credit risk across corporate and mortgage portfolios, with a strong focus on construction and syndicated facilities. Day-to-day work involves reviewing loan documentation, verifying that all conditions precedent and milestones are met before disbursements, and managing the transition of staff-on-exit loans to public terms to limit non-performing loan exposure. The position ensures that completed construction projects are fully secured, insurance renewals are compliant, and portfolio data remains accurate for timely corrective action.

Key Responsibilities

• Track and mitigate credit risk for Grade 10 and Grade 20 facilities at both branch and regional portfolio management levels to prevent migration to non-performing status.
• Oversee all construction facility projects by enforcing compliance with conditions precedent and ensuring project milestones are achieved through completion.
• Review loan documentation against internal manuals, policies, and statutory regulations prior to disbursing funds for construction and syndicated facilities.
• Manage the staff-on-exit loan portfolio, ensuring timely conversion to public terms and prompt regularisation of overdrawn accounts to minimise non-performing loan risks.
• Confirm that the bank’s interest is noted on all insurance renewals for mortgage facilities under construction, aiming for 100% compliance.
• Generate and analyse Management Information reports to support effective portfolio control and meet regulatory reporting obligations.
• Monitor covenant compliance within the corporate portfolio and assist in resolving covenant breaches within agreed service level agreements.
• Maintain and update the deferrals register and the exceptions collateral register for both corporate and mortgage portfolios, and approve release of securities for corporate customers and performance bonds for staff upon loan payoff or project completion.

Requirements & Qualifications

• Bachelor’s degree in any field; a professional qualification in a business-related field is an added advantage, as is a Master’s degree in Business Administration.
• Minimum of five years of total experience, with at least five years in credit administration inclusive of portfolio management.
• At least three years of experience using data analytics tools such as Excel, SQL, and IFRS 9 reporting.
• Proficiency in core banking systems including T24, CQ, and TAC (minimum one year of experience).
• At least three years of people leadership experience, covering coaching, conflict management, delegation, and cross-functional collaboration.