Themba Mahlaba
Principal/ Director - Commercial Property Finance
Olivedale
Summary
Adept individual with more than 14 years working as Manager for portfolios ranging from R2bn - R7.4bn in size across Gauteng, North West, Free State and Northern Cape. Determined and experienced in mentoring and challenging team members to meet and exceed company goals.
Overview
12
12
years of professional experience
2
2
years of post-secondary education
3
3
Languages
Work History
Regional Head, Commercial Property Finance
ABSA CIB
3 2018 - 2024.03
- Responsible for translation of the CPF strategic goals and targets into operational and regional plans to ensure attainment of agreed budgets and asset risk mitigation
- Develop and drive business plans and service agreements that ensure appropriate integration with other functional units in CPF and Segments
- Develop and implement appropriate models to enable regional sales to achieve the agreed financial targets
- Take responsibility for marketing, media liaison and client relationship initiatives within the region
- Establish and maintain a sound knowledge base of the commercial and residential property market in the region
- Ensure standard product delivery in the region, making sure that the quality of services rendered and products delivered are consistent across the region and is aligned to the Business Banking operating ethos
- Provide regular reports on identified key focus areas
- Manage overheads of the region in line with agreed operating cost budgets and achieve financial targets for the region
- Manage regulatory compliance within the region as required according the Banking, Financial Service Charter and governance standards
- Manage quality of loan applications to ensure that they are meeting minimum standards and mitigation of risk
- Active management and mining of existing clients for cross selling of Commercial Property Finance debt products
- Actively monitor the pipeline for potential deals with the Lending Consultants
- Actively monitor pay-aways, net income and fees of consultants to ensure regional objectives and targets are met
- Ensure that performance variances are carried out and determine the root causes and make recommendations for productivity or process enhancements to Consultants
- Address any complex complaints or problems that arise which the consultants are unable to deal with
- Compile and control annual budgets for income and expenditure for the region
- Institute appropriate measures to ensure adherence to budget and all material expenditures are in line with the value for money concept
- Deliver presentations to Commercial Property Finance management when required regarding the functions and operations in the region
- Ensure that there is adequate support from Risk and operations to the execution team
- Ensure that CPF Lending specialists understand property risk grading and credit application process and implement the required standards consistently
- Manage the Portfolio Administration function
- Manage the Sales Support function.
Portfolio Manager, Commercial Property Finance
Nedbank CIB
2013.02 - 2018.02
- Achieve and / or exceed financial targets by effective management of the Book / Portfolio
- Effectively manage a team of sales staff by monitoring and ensuring effective staff performance and motivation
- Implement effective capacity management in order to drive talent management, business continuity, training, and development
- To manage and leverage knowledge
- To grow the Intellectual Property of the Key Client/Transactional team
- Coach and guide sales staff to successfully negotiate and conclude deals
- Effectively coach and mould emerging talent and ensure that systems, processes and willingness exists for Human Capital development
- Develop strong relationships with Clients, Brokers, Estate Agents and any other deal referral channels / agents within Region and initiate new business with them
- Continuously look for creative approaches to put deals on the book
- Have adequate insight into financing instruments to create deals
- Go out of the way (but with risk management related parameters) to ensure that deals are booked
- Identify inherent and potential risk in the Property market within the Region
- Continuously evaluate and mitigate the credit risk embedded within the environment and deal, to derive the maximum risk and return situation
- Role of Business Credit Signatory to ensure that the Bank’s risk parameters are adhered to and deals suitably priced to ensure that an acceptable return is made for the Bank
- Actively assist sales team to pursue, develop and enhance existing key client relationships
- Continuously look for creative approaches to put deals on the book
- Have adequate insight into financing instruments to create deals
- Assist sales team to structure and finalise credit papers
- Go out of the way (but within risk management related parameters) to ensure that deals are booked.
Area Manager, Retail Business Banking
Nedbank Ltd
2010.02 - 2013.02
- Responsible for revenue management in the region in the dedicated geographical area, by ensuring income statement reflects effective interest margins and non-interest revenue
- Ensure correct pricing and adherence to pricing guidelines (income generation is maximized)
- Take accountability of team balance sheet
- Demonstrate in-depth understanding of own financial contribution system and take corrective action
- Source, analyze and make recommendations to manage pricing decisions; implement sales plan and management processes to achieve SBS outputs
- Increase penetration and usage of SBS core products
- Retain and grow primary client base and cross sell ratio
- Drive net new client acquisition and manage the business pipeline
- Manage teams’ activity and productivity plans
- Manage conformance, compliance and risk in terms of: control assessments; FICA; FAIS; CMS; mandates/authorize/pricing
- Development plan & performance contract in place; complete SBS curriculum; complete appropriate online assessments & compliance training; network with other SBS colleagues to keep abreast of and share knowledge.
Research Manager
Nedbank Ltd, Group Marketing
2008.03 - 2010.01
- Proactively identify and define the problem situation through conducting an analysis of opportunities for the bank and investigate their feasibility through market research
- Current portfolio: Consumer Banking, NCC, BSM, Merchandising Audit
- Meet with the business client to assist in defining the problem situation (using holistic/systemic thinking and/or subject matter expertise) and ensure problem resolution is in alignment with the group strategy (extract intent and identify gaps)
- Discuss and adhere to budget constraints
- Formulate and develop research objectives in consultation with the business client to identify the research problem and to accomplish the practical purpose of the study
- Define the research hypotheses/research objectives and find action steps in line with business strategy and client needs
- Appraisal of prior research or literature review (primary and secondary) to ensure there is no duplication of research and to further inform the research process
- Unpack research objective from a variety of inputs and investigate as to whether the solution to the research questions have been previously provided by Group Market Research unit or externally studied
- Ensure that the relevance of existing data aligns with the urgency of the problem, the consequences of the solution, risk and timing
- Investigate reliability and validity of existing data based on samples, objectives, research methodology, recency etc
- And understand discrepancies and why they exist
- Educate clients' using expert knowledge in research field and past research experience related to the topic at hand
- Proactively identify opportunities to best help internal stakeholders meet their objectives and collaborate closely with them to ensure their needs are fulfilled
- Support, build and maintain relationships/partnerships across various areas of expertise.
Product Manager
Nedbank Ltd & FNB
2006.03 - 2008.02
- Responsible for maintaining and improving the performance of Home Loans products
- Monitor, analyze and assess product performance
- Report on product performance
- Propose and initiate corrective action to ensure that products meet targets
- Maintain and ensure accuracy of core product information
- Address stakeholder and customer queries
- Maintain and improve internal procedures associated with products
- Represent product interests and requirements within the business
- Implications of Pricing policies
- Implications of Credit policies
- Implications of process changes
- Implications of changes in market forces
- Prepare business cases and briefing documents for senior management that illustrate the above
- Initiate corrective action and manage these projects
- Assist Product Development with new product design
- Conduct research and competitor analysis
- Keep abreast with local and international trends to assist in product performance
- Maintain relationships with key business areas
- Post implementation reviews
- Facilitate workshops on product and process requirements.
Education
Property Development Program (PDP) -
University of Cape Town GSB
2019.01 - 2019.05
Certificate for the Commercial Property Practitioner (CCPP) - undefined
University of Pretoria
2016.01 - 2016.05
Senior Management Program (SMP) - undefined
University of Pretoria, Gordon Institute of Business Science (GIBS)
2011.01 - 2011.05
Management Advancement Program (MAP) - undefined
University of the Witwatersrand, Business School (WBS)
2007.01 - 2007.05
Diploma in Marketing - undefined
IMM/GSM
2006.01 - 2006.05
Matric - undefined
Sagewood Education Centre, Midrand
1993.01 - 1993.05
Skills
Organizational Skills
undefinedProfessional Highlights
- As a Portfolio Manager I managed and grew the portfolio from R2.7bn in 2013 to R4.3bn in 2016, HE from R11m to R24m and Fees from R9m to R17m.
- As Area Manager, Retail Relationship Banking. Grew the business from six represented branches to 22 over a 3-year period. Area was ranked 1st for two years in succession and awarded Nedbank Achiever for 2011. Also had 7 bankers in the top 10 out of 129 nationally.
- Sub-segmentation research on Mass Market over a year, which led to establishing Retail Marketing strategy around the lower income market in 2008 – 2009 at Nedbank Ltd.
- In 2004 whilst at Standard Bank as an Area Sales Analyst, won the National Master Card sales incentive.
Personal Information
- ID Number: 740823 5309 083
- Citizenship: SA Citizen
- Marital Status: Married
Cycling and Mountain Biking
Enjoy watching and riding with family and mates. Also love watching the sport especially road and the major tours.
Timeline
Property Development Program (PDP) -
University of Cape Town GSB
2019.01 - 2019.05
Certificate for the Commercial Property Practitioner (CCPP) - undefined
University of Pretoria
2016.01 - 2016.05
Portfolio Manager, Commercial Property Finance
Nedbank CIB
2013.02 - 2018.02
Senior Management Program (SMP) - undefined
University of Pretoria, Gordon Institute of Business Science (GIBS)
2011.01 - 2011.05
Area Manager, Retail Business Banking
Nedbank Ltd
2010.02 - 2013.02
Research Manager
Nedbank Ltd, Group Marketing
2008.03 - 2010.01
Management Advancement Program (MAP) - undefined
University of the Witwatersrand, Business School (WBS)
2007.01 - 2007.05
Product Manager
Nedbank Ltd & FNB
2006.03 - 2008.02
Diploma in Marketing - undefined
IMM/GSM
2006.01 - 2006.05
Matric - undefined
Sagewood Education Centre, Midrand
1993.01 - 1993.05
Regional Head, Commercial Property Finance
ABSA CIB
3 2018 - 2024.03
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