Samantha Lynn Ross

adzu9e@r.postjobfree.com

* ******* ******

Towerby, Johannesburg 079-***-****

Profile:

• Extensive and diverse experience in property finance administration over twenty-eight years, ranging from bond clerk to loan administration supervisor, credit controller, Regional co-ordinator (development loans), Regional administration – Loan fulfilment and contracting and conveyancing specialist

• Accurate with figures, committed to providing excellent customer service, with the ability to resolve disputes, able to interact well with people of all cultures and backgrounds

• Organised, with excellent time management and prioritisation skills, strong work ethic, emphasizing reliability, integrity and teamwork

• Capacity for independent decision-making, exercise diplomacy when handling matters of a sensitive nature

Experience:

TUHF Ltd Current

Contracting and Conveyancing Specialist

• Confirm the accuracy of loan data by reviewing information provided against the system, identifying errors and accurately capturing additional information and/or corrections on the system daily

• Draft loan agreement in line with the approved loan proposal by applying the loan terms and conditions to the standardised loan agreement template daily

• Draft non-standard loan conditions by reviewing and understanding the requirements and applying contract and legal knowledge to draft as required

• Identify potential commercial risk by reviewing loan proposal and conditions, analysing the risks and making recommendations on mitigation measures at Manco weekly

• Instruct attorneys by compiling documentation, drafting required legal documents, ensuring the instruction and managing and monitoring the process with the attorneys and addressing concerns daily

• Liaise with clients to sign loan agreements by scheduling appointments, explaining and discussing the contents of the agreements with the clients and securing signatures as required

• Monitor the progress of the registration process by tracking progress, dealing with obstacles as they arise and finalising the collateral security documentation as required

• Secure compliance by liaising with attorneys and portfolio to obtain compliance with all pre-determined loan conditions with the minimum delay in terms of approved policies and procedures, identifying delays and liaising with internal and external players to finalise as required

• Confirm that adequate insurance is in place for buildings prior to registration through liaising with clients and or relevant brokers to secure copies of the relevant insurance policies or any other confirmation that is acceptable as required

• Draft and finalise the modification by reviewing and understanding the instructions, drafting the addenda and submitting for approval as required.

• Coordinate the finalisation of the addendum process by liaising with the attorneys, reviewing documents provided, compiling the security documentation in line with the requirements and facilitate signing of agreements is as required

• Provide FICA certificates by reviewing documentation provided, assessing compliance with statutory requirements, identifying areas of non- compliance, addressing gaps with the Operations team members, finalising compliance and issuing certificates as required

• Provide legal advice by understanding the question, researching the legal position and providing guidance and input as required

• Store all data, both electronically and hard copy by implementing the document storage policies and procedures daily

• Generate reports by updating data into the required template and providing reports as required

• Attend to ad-hoc projects/tasks by undertaking project tasks, making contributions and providing feedback as required

FNB – CPF 2017-2022

Attorney Liaison Officer

• Checking of all bond security and non-security documents including insurance

• Granting of proceeds to lodgement and registration

• Drafting of additional bond documents in instances where no attorneys have been appointed

• Submitting payment requests to operations team on re advances and further loans

• Checking and signing of guarantees

• Attending to Bond Holder Consent requests

• Attending to requests for releases

• Updating of the security system

• Attorney allocations on new matters

• Instructing new matters on Ghost, receiving, and vetting of signed documentation from the attorneys

• Managing Pipeline – Registrations – following up with attorneys, sales on compliance documents

• Submitting documents to relevant stakeholders for sign off

(Valuations/Credit/Legal/ESRA)

• Taking and drafting of minutes for deal conclusion forums Sales Execution Officer/Regional Fulfilment Co-Ordinator

(Developments)/Regional Administrator (Term Loans) 2012-2017

• Instruction to attorneys via Ghost convey

• Preparation of checklists for matters

• Vetting of documents received from the attorneys

• Providing attorneys with feedback regarding the documents submitted

• Providing the attorneys with proceeds to lodge and register

• Vetting of insurance policies ensuring that properties have been adequately covered

• Loading of documents to the valuations portal for sign off on special conditions

• Requesting valuations and site inspections

• Tracking of presales

• Receiving and sign off on guarantees in respect of presales

• Attending to the signature of consents in respect of the presales

• Monitoring of funds received from presales once transactions have been registered

• Reconciliation of schedules vs funds received

• Following up with attorneys on outstanding amounts

• Attending to refunds on client’s accounts

• Entire process above requires interaction with various stakeholders – Attorneys, Sales, Valuations and operational support teams. ABSA MORTGAGE FUND MANAGERS PTY LTD

BOND ADMINISTRATION SUPERVISOR 1997-2012

• Collaborate with all parties involved in obtaining property finance and supervision of five administrative and clerical staff members

• Recording of information relating to the business – pay outs vs investment inflows

• Payment of sales staff claims

• Payment of valuers

• Maintaining spreadsheets recording the business targets of sales staff and the new business introduced

• Instruction to attorneys for bond registrations and new business instructions to insurance brokers

• Maintenance of files to point of registration

• Checking of draft bonds and other securities

• Ensuring FICA requirements are met

• Calculations and preparations of all requisitions for payments on registration

• Preparation of Guarantees

• Issuing of cancellation figures and attending to signing of consents

• Assisting with the sign offs on progress payment requests

• Calculations and preparation of requisitions for development loans

• Preparation of disbursement letters

• Funds allocations – payments made by clients to service loan accounts all made into pool accounts and had to be distributed accordingly

• Attending to release requests

• Assisted with credit control procedures during the absence of staff

• Preparation of age analysis monthly

• Contacting clients to make payment arrangements

• Following up on insurance exception reports to ensure that all existing security had adequate cover and that policies were maintained

• Ensuring security registers were updated.

• Manual checking of all monthly statements to clients attending to amendments, capitalisation of interest on developments other adjustments/ journal entries that needed to be passed.

• Facilitating the postage of statements

• Working through reports and charging of penalty interest for defaults or late payments

• Reconciliation of bank statements to debtor’s payments received

• Preparation of Audit reports

• Assisting auditors with queries on Loan book account during annual reviews

• Resolution of all client queries/ account or mortgage loan progress ESTATE AGENTS AFFAIRS BOARD SANDTON

LEGAL ASSISTANT 1997-1997

• Tasked with handling calls from member of the public experiencing problems with estate agents and compiling written complaints

• Setting date for hearings when legal advisors deemed further action was necessary and sent out summonses to all parties involved

• Attend to roll call of matters on the agenda on hearing dates EDUCATION:

• University of Pretoria (CCPP) 2019

• MH Joosub Technical High School (Matric) 1993

• Basic Conveyancing (LEAD SA)

• Advanced Excel

REFERENCES – PROVIDED ON REQUEST

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