We are seeking a technically strong and commercially astute Property Finance Senior Associate to join our Alternative Asset Management (Property) team. This role plays a key part in originating, executing, and managing property finance transactions The ideal candidate will combine deep analytical and credit-assessment capability with practical deal execution experience and a strong understanding of property markets and secured lending structures.

Key Responsibilities:

Deal Execution & Analysis

• Lead and coordinate transaction execution, from due diligence, credit assessment and legal structuring to negotiation and closure of property-backed credit transactions with a focus on term and development finance senior debt and exposure to mezzanine, equity and structured finance transactions
• Develop, review, and refine financial models to assess risk, return, and sensitivities and prepare and present applications to the Credit and Investment Committees articulating key risks, mitigants, fundamentals and sensitivities
• Ensure internal systems are maintained to support transactions and that transaction documentation is  accurate, complete, and aligned with internal and regulatory standards

Portfolio Monitoring & Management

• Monitor and manage existing loan exposures including covenant compliance, performance against forecasts and budgets and stress testing credit conditions
• Manage the renewal, restructuring and risk mitigation of a portfolio of loan exposures

Client & Stakeholder Engagement

• Lead client-facing interactions on property transactions, fostering trusted relationships and ensuring excellent communication
• Coordinate engagements with external and internal stakeholders including legal, credit, valuation, and due diligence service providers
• Expand network of relationships with potential clients, ensuring new business development and access to future deal flow

Team Leadership & Development

• Manage Analysts within the deal team, ensuring delivery of quality outputs (credit papers, financial models/feasibilities, desktop valuations and related due diligence) on time
• Provide guidance, mentorship, and technical oversight to junior team members
• Contribute to the continuous improvement of internal processes and workflow efficiency

Market & Strategic Contribution:

• Maintain expertise in property market trends, asset performance, and valuation methodologies
• Support senior leadership in executing strategic initiatives and contributing to commercial strategy
• Participate in the deal desk and investment discussions, contributing to investment recommendations

Requirements:

Qualifications

• Bachelor’s degree in Finance, Business Science, Property Studies or a related field
• Postgraduate qualification or CFA/CA(SA) advantageous

Experience

• 5–8 years’ experience in property finance, credit analysis, or structured finance. Ideally within a bank or private lending environment
• Proven experience in deal execution, due diligence, and financial modelling
• Strong understanding of broad property and credit fundamentals. Property development financing experience advantageous
• Exposure to credit committee processes and portfolio management and reporting

Skills & Competencies:

• Advanced financial modelling and credit-analysis capability (eg. valuations, DCF, DSCR, LTV, scenario testing, development feasibilities and cash flows)
• Deep understanding of property credit risk assessment, affordability analysis, and valuation principles
• Excellent organisational and process management skills
• Strong leadership and mentorship abilities
• Exceptional written, presentation and verbal communication skills
• Proactive, detail-orientated and able to manage multiple transaction simultaneously
• Commercially minded, with a collaborative and solutions-driven approach

Contact information

Wilma Spitsbaard