Katlego Rammupudu

• Responsible for sourcing, negotiating, and structuring finance deals.
• Negotiate and structure complex property and asset-backed finance deals, ensuring commercial viability, and compliance with internal credit frameworks.
• Collaborate with legal, valuation, and property teams to draft, review, and manage contracts, and ensure timely renewals.
• Develop and monitor deal budgets and cash flow forecasts, evaluating ROI, and feasibility for clients and the bank.
• Act as the primary liaison with clients, developers, and internal stakeholders, ensuring efficient transaction execution and stakeholder satisfaction.
• Conduct risk assessments, due diligence, and site inspections to validate property valuations, and mitigate exposure.
• Lead cross-functional teams in executing high-value transactions, mentoring analysts, and improving SLA turnaround times.
• Compile and present portfolio and pipeline reports for management review, supporting strategic business planning.

• Designed and implemented property finance structures for commercial, industrial, and mixed-use developments.
• Conducted feasibility studies, risk assessments, and cash flow analyses to inform funding recommendations.
• Oversaw end-to-end execution of structured deals, coordinating legal, credit, valuation, and property management teams.
• Developed and monitored budgets and performance KPIs, ensuring financial sustainability and cost control.
• Led governance and compliance efforts, maintaining adherence to PFMA, FICA, and internal policy frameworks.
• Provided mentorship to deal teams and analysts, fostering excellence in structuring and execution.
• Produced management reports and insights on portfolio performance and project progress.

• Analyze balance sheets and income statements.
• Structures complex residential deals for high-net-worth clients.
• Prepare a proposal to present to the credit committee.
• Cross-sell all products suited for the client.

• Assess the financial needs of the client and provide solutions.

• Manage clients' risk and affordability.
• Advise on property investments and estate planning.

• Managed a diverse property portfolio of residential and commercial rentals, overseeing lease administration, tenant relations, and contract renewals.
• Negotiated and finalized lease and sales agreements, ensuring compliance with EAAB regulations and client satisfaction.
• Conducted property inspections and coordinated maintenance work, ensuring properties met health, safety, and aesthetic standards.
• Implemented tenant screening and onboarding processes, reducing default risk, and maintaining occupancy levels above 90%.
• Prepared monthly performance reports, tracking rental income, arrears, and portfolio growth for management review.
• Assisted landlords in setting market-related rentals, and budgeting for maintenance and operational costs.
• Delivered customer service excellence, resolving tenant and landlord queries promptly to maintain strong relationships.

• Administer multi-managed JSE funds, ensuring all service level agreements and legislative requirements are met.

• Advice brokers on the best investment products for their clients.
• Provide administrative support to brokers.