Foreclosure Specialist Attorney at SA Home Loans (2015-03 – Present)
Investigating fraudulent and suspicious home loan applications and property purchases. Constructing cases, compiling documentary evidence, and taking action against internal and external perpetrators to safeguard organizational interests.
- Investigating fraudulent and suspicious home loan applications and property purchases
- Constructing cases, compiling documentary evidence, and taking action against internal and external perpetrators to safeguard organizational interests
- Strategizing risk appetites in alignment with overall business interests
- Ensuring quality risk management and participating in strategic decisions and implementation thereof
- Handling difficult clients and complaints, including Ombudsman interaction and reporting
- Engaging with stakeholders and service providers, including attorneys, conveyancers, auditors, liquidators, valuers, and guarding companies
- Managing high-risk portfolios, including aged debt, high arrear accounts, sales in execution, and private sales
- Adhering to credit policies, Service Level Agreements, recovery workflows and default policies
- Successfully rehabilitating accounts quickly with minimal cost and loss implications
- Defending litigious matters, including trial cases and third-party applications that pose potential risks to the organization
- Negotiating, drafting, and reviewing contracts, agreements, applications, and fee notes
Estates and Compliance Specialist at SA Home Loans (2012-07 – 2015-03)
Expertly managed dual status accounts, including deceased and insolvent estates. Engaged effectively with executors, liquidators, attorneys, and conveyancers.
- Expertly managed dual status accounts, including deceased and insolvent estates
- Engaged effectively with executors, liquidators, attorneys, and conveyancers
- Streamlined dissolution of joint ownership, and facilitated transfer and cancellation processes
- Drafted claim documents, agreements, OTPs, and legal opinions
- Marketed properties and prepared accurate valuation recommendations
- Assessed private offers and facilitated both private and public auctions
- Managed compliance with new legal developments impacting the business
- Led ad hoc projects based on departmental needs
- Supervised client complaints, conducted investigations, and formulated responses
- Liaised with credit bureaus to update client profiles and default listings
- Ensured Quality Assurance within the legal department
- Contributed to committee reporting for International Rating Agencies
Litigation Supervisor at SA Home Loans (2009-11 – 2012-07)
Led and managed a team, ensuring legal processes are followed and targets achieved through strategic implementation. Proactively managed and coached individuals daily to enhance performance and meet standards.
- Led and managed a team, ensuring legal processes are followed and targets achieved through strategic implementation
- Proactively managed and coached individuals daily to enhance performance and meet standards
- Mentored staff, providing performance management for those not meeting minimum requirements
- Prioritize high-risk matters to maximize recovery and minimize losses
- Motivated and recognized the team, ensuring equitable rewards
- Maintain and service stakeholder relationships
- Initiated new ventures like marketing distressed properties and appointing a panel of agents
- Approve high-risk client arrangements and sales within company mandates
- Supervised contracts and agreements
- Oversaw legal fees, independent contractors, and SLAs
Foreclosure Consultant at SA Home Loans (2009-01 – 2009-11)
Expert in rehabilitating default home loan accounts, emphasizing recovery percentages and loss mitigation. Directed legal instructions to panel attorneys and consistently monitored litigation processes.
- Expert in rehabilitating default home loan accounts, emphasizing recovery percentages and loss mitigation
- Directed legal instructions to panel attorneys and consistently monitored litigation processes
- Skilled in client negotiations, settlement agreement conclusions, and conducting affordability assessments
- Managed third-party applications and meticulously reviewed legal documents
- Maintained strong stakeholder relationships and adeptly handled customer and third-party interactions
- Prepared recommendations for private sales, sales in execution, and bad debt recovery write-offs
Deceased Estates Consultant at SA Home Loans (2008-05 – 2009-01)
Managed a portfolio of deceased estate matters, including Indemnity Bonds, Direct Bonds, and Hybrid Bonds. Secured and unsecured lending expertise ensuring solvency.
- Managed a portfolio of deceased estate matters, including Indemnity Bonds, Direct Bonds, and Hybrid Bonds
- Secured and unsecured lending expertise ensuring solvency
- Educated clients on estate requirements for smoother processes
- Drove estate wind-ups aiming for timely finalization and target achievement
- Maximized recovery during cancellation processes for optimal results
- Initiated legal actions on outstanding estate matters aggressively
- Coordinated estate and foreclosure processes simultaneously
- Engaged stakeholders such as Executors, Liquidators, and Attorneys effectively
Candidate Attorney at Sunita Bisnath Inc. (2005-11 – 2008-05)
Experienced in Magistrate and High Court litigation, including matrimonial matters, agreements, and contracts. Proficient in trial preparation, application drafting, and briefing counsel.
- Experienced in Magistrate and High Court litigation, including matrimonial matters, agreements, and contracts
- Proficient in trial preparation, application drafting, and briefing counsel
- Skilled in debt collection and recovery processes
- Conducted consultations, estate reporting/lodging, property evaluations, and drafting of liquidation & distribution accounts
- Assisted with property transfers, estate pay-outs, and liaised with the Master's Office, bridging finance companies, and estate agents
- Drafted Wills efficiently and accurately
- Signed up conveyancing clients and ensured all requirements were met for smooth lodgment and registration
- Drafted final accounts for payment in conveyancing matters
- Drafted and finalized employment contracts, implemented warnings, and managed general disciplinary procedures
- Managed practice income and expenditure, and handled monthly disbursements
- Ensured smooth client sign-ups for conveyancing
- Drafted, finalized employment contracts, overseen HR issues
- Managed practice income, expenditure, disbursements
