Shantel Latchminarain

• Streamlined and Improved operations, optimizing the use of technology for tracking and reporting performance metrics:

(a) Wrote a business process for the Risk and Workout team

(b) Implemented Birds Eye Summary report.

(c) Systemized the reporting requirements with Data Analyst.

(d) Worked with Business Analyst to create workflow on

Ncino for Risk and Workout Team on Ncino.

(e) Introduced and Implemented user friendly templates for

cession instructions.

(f) Introduced one touch working documents - in the process

of automating and roll out.

• Proactively identified areas for process improvement, driving increased efficiency throughout the organization.
• Adhoc monitoring of allocated portfolio.
• Monthly reviews of management reports
• Monthly engagement with the Property Managers.
• Adhoc actions required on portfolio.

• Assessed credit risk and analyzed financial statements.
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
• Analyzed credit scores to determine borrowers' creditworthiness.
• Implemented the Net Asset Value analysis template - which was rolled out by the Credit Executive for national use.
• Created an Affiliation with In2Assets auctioneers to provide TUHF with first bit of the pie to all deals they take to auction in TUHF specific areas.
• Negotiated free advertising for TUHF on all auction platforms - yielding excellent results.
• Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
• Gathered loan documentation for underwriting.
• Wrote credit memo and presented credit memo to MANCO together with the allocated Portfolio Manager.
• Collaborated with other teams to identify and mitigate risks impacting organization.
• Client engagement together with Portfolio Manager to understand, the dynamics of the deal submitted.
• Improved financial risk management with meticulous analysis of financial statements and market trends.
• Attended to Loan Approval Summary requests.
• Ensured Operations Administrator obtained OHS compliances, utilities and Annual Financial Statements timeously.
• Attended to review and progress Project Review Reports on Ncino.
• Attended to review and progress Triennial Valuations on Ncino.
• Instructed external annual valuations.
• CMBS reporting.
• Attended to draw down requests
• Exposure reporting for Loanco.
• Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.
• Analysed and progressed monthly draw requests.

• Provided training to employees on best practices in quality management, fostering a culture of excellence within the organization.
• Managed and archived quality documentation and participated in internal and external quality audits.
• Updated quality control standards, methods, and procedures to meet compliance requirements.
• Improved quality processes for increased efficiency and effectiveness.
• Drove process standardization by creating and implementing new and updated processes, resulting in increased efficiency and reduced deviations.
• Evaluated quality problems and performed assessments to identify and resolve issues.
• Promoted a proactive approach to risk management within the organization, mitigating potential concerns before they escalated into larger issues.
• Facilitated cross-functional team collaboration, ensuring seamless communication between departments regarding quality matters.
• Wrote and implemented business process for Asset Quality Management to streamline workflow.
• Improved team efficiency with introduction of new tracking system for monitoring quality control metrics.
• Developed comprehensive quality assurance documentation to streamline audit process, ensuring adherence to industry standards- currently still in practice.
• Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
• Established performance goals for employees and provided feedback on methods for reaching those milestones.
• Identified problematic projects and started the "Fix-Up" projects. Secured funding from Tuhf 21 to implement.
• Introduced client engagement functions for OHS compliances and non-compliances with specialist panel present and solution driven options for clients to help reduce the level of non-compliances within the organization.
• Introduced and implemented power of attorney for utility management, which allowed TUHF to obtain copies of and query utilities on behalf of clients. This document now forms part of the loan agreement pack for signature by clients.

• Oversee overall compliance in terms of the construction and servicing life span of the loan.
• Wrote and Implemented the Construction Management and Draw down business process.
• Introduced and Implemented the Portfolio Management business process.
• Introduced and implemented the ABIP template currently still used in construction management and draw processes.
• Trained team nationally on how to use and implement the ABIP.
• Standardized Project Review Reports nationally.
• Job description can provide finer details on job spec.

• Oversee overall compliance during the construction and servicing stages of the loan life span.
• Manage x1 staff member - office administrator

• Reporting Staff
• Sales Administrators
• DTP - Desktop Publisher (advertising)
• Ensure all documents entered into and drafted by our office is accurately and legally compliant, eg:
• Mandates - Review and Approve- Ensure correctly completed in terms of the type of sale and requirements
• Establish type of sales and advise Business Development Managers on relevant processes, advertising requirements (legal and general), required information and documents, eg
• Vatable sales
• Going concerns
• Right of first refusal
• Leasehold property sales (99 year lease)
• Right to develop sectional title scheme
• Share block Sales
• Service station sales (leasehold and freehold)
• Properties in Possession
• Liquidation
• Deceased Estates
• Appoint and sign sales to respective sales administrator
• Monitor progress of auction prep with the sales administrator
• Drafting of Sales Agreement - at a specific threshold
• Sales Agreement - Review and Approve - sales agreement drafted by the Sales Administrators below the threshold
• Ensure Accuracy of auction documents (no room for errors)
• Brochure information (title, type of sale, vat status, tenancies, leases, etc)
• Sales agreement (version accuracy, accurate sales information)
• Accurate information of the auctioneers Presentation and Auctioneers Report
• Identify best order of sales
• At Auction:
• Ensure correct completion of sale agreement by the highest bidder
• Collect deposit and auctioneers commission
• Confirm approval of sale with all parties within the specified timelines in the sale agreement
• Post Auction:
• Verify sales and submit to transfer attorneys
• Convey close off files to Operations Manager
• General
• Be available to MD and Operations Manager for any queries.
• Assist administrators with difficult clients and queries.
• Work hand in hand with operations manager to create a good working environment for administrators.

• Attend to share block and sectional title transfers.
• Attend to share block and sectional title queries
• Attend to agenda and minutes
• Attend to levy and special levy legal arrear recovery.
• Prepare salary schedules for Body Corporate and Share Block supervisors and maintenance workers.
• Reply to written enquires from clients.
• Send out monthly levy account statement

• Attend to share block and sectional title transfers.
• Attend to share block and sectional title queries
• Attend to agenda and minutes
• Attend to levy and special levy legal arrear recovery.
• Prepare salary schedules for Body Corporate and Share Block supervisors and maintenance workers.
• Reply to written enquires from clients.
• Send out monthly levy account statement