Sanlam

Associate – Property Finance

Sanlam

full-time

Posted on:

Location Type: Office

Location: Sandton • South Africa

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About the role

  • The Associate for Property Finance will be responsible for originating and structuring property-related debt, including both vanilla and structured transactions, for investment by SAI and third-party funds.
  • The role further entails structuring finance solutions, including transactions with upside participation, as well as driving the growth of the existing business through innovation and the development of new products.
  • In addition, the Associate will be responsible for managing and optimising the property credit assets book.
  • Deal Making - Origination/ Relationship Building, including:
  • Introducing personal network to the SAI brand as well as cold calling property investors and developers to source deal flow.
  • Compile written proposals to clients/ syndication partners of specific products (including commentary on compliance with enactments, tax and accounting treatments), funding proposals including making marketing presentations to clients/ syndication partners and replying to client "RFP's".
  • Preparation of term sheets to clients that form the basis of legal agreements to be drafted.
  • Financial modelling of deals and preparing deal cashflows.
  • Ongoing client relationships in respect of concluded deals.
  • Maintaining relationships within the Sanlam Group.
  • Negotiation with client of funding terms including loan amount, interest margin, fees and profit participation.
  • Negotiation with syndication partners on fee sharing arrangements and deal structures to maximise SAI's role in the deal.
  • Preparation of credit applications and credit updates to the credit department and attendance at credit meetings to support deals.
  • Preparation of deal committee applications for new products which entail, amongst others, a description of the mechanics of the product and the relevant legislative implications requiring sign-off by taxation, legal, regulatory, accounting, etc.
  • Manage transactions from inception through execution with strong ownership and project discipline.
  • Liaise with internal teams (legal, credit, treasury, regulatory and exchange control) and with external advisors (lawyers, accountants and tax specialists) to implement transactions.
  • Review and comment on legal agreements to give effect to approved transactions.
  • Repackage and place debt transactions—potentially incorporating credit derivatives—to optimise distribution and broaden investor participation.
  • Drive profitability through innovative product design, research‑led opportunity identification, and robust structuring.
  • Engage continuously with Sanlam Group stakeholders and act as a centre of expertise for property credit solutions.
  • Assist in establishing, managing and optimising a credit portfolio aligned to mandate and risk appetite.
  • Align client requirements with interest‑rate risk management parameters within the portfolios.
  • Review and validate reporting accuracy, including daily P&L reports.
  • Evaluate tax, regulatory, legal and accounting considerations and engage relevant subject‑matter experts to ensure robust structuring.

Requirements

  • At least 5 years’ experience in the debt and structured property finance environment.
  • CA (SA), CFA, MBA, B. Com, LLB or other relevant postgraduate qualification.
  • Demonstrated deal‑making and debt‑origination capability, with the ability to conceive, structure and implement complex transactions.
  • Strong negotiation skills, including contract negotiation.
  • Strong interpersonal skills for client engagement and cross‑cluster collaboration within the Sanlam Group.
  • Sound marketing skills and a strong network within the debt market.
  • Tax knowledge and structuring expertise.
  • Financial modelling proficiency and strong numerical skills.
  • Solid knowledge of accounting standards—particularly those related to financial instruments and securitisation.
  • Strong written and verbal communication skills, including the ability to deliver presentations to technical audiences, clients and internal committees.
  • Hands‑on capital markets experience across debt and structured‑finance instruments, including corporate bonds, commercial paper, loans, asset‑backed finance, securitisation and credit derivatives.
  • Strong understanding of derivatives and financial treasury products.
  • Strong understanding of regulatory, tax, legal and exchange‑control issues related to property debt financing.
Benefits
  • Professional development opportunities
  • Competitive salary
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
financial modellingdebt originationstructured financecredit structuringtax knowledgeaccounting standardsnumerical skillscapital marketsderivativessecuritisation
Soft Skills
negotiation skillsinterpersonal skillsclient engagementcross-cluster collaborationmarketing skillsstrong communication skillspresentation skillsproject disciplineownershipinnovation
Certifications
CA (SA)CFAMBAB. ComLLB