SA Home Loans

South African Home Loans is a mortgage finance company and insurance provider in South Africa. It was founded in

February $1999$ and is headquartered in uMhlanga, South Africa, near Durban. Its services cover origination and credit

approval through registration and ongoing loan servicing.

SA Home Loans is an independent, non$-$bank home loan provider that has pioneered a more diverse financial infrastructure

in South Africa $($SA$).$

From a modest start$-$up operation opening for business in $1999,$ SA Home Loans $($Pty$)$ Ltd $($SAHL$)$ has flourished amid

powerfully entrenched competition and global financial turmoil. It has become SA's $5$ th most significant and largest non$-$

bank home loan provider. After over $20$ years, it is solidly established with a solid and recognizable local brand. It has

serviced a sizable mortgage portfolio that originated over R$140$ billion $($approx$.$ US$$10$ billion$)$ and enabled home ownership

to more than $300,000$ clients since inception.

As a non$-$bank home loan provider, SAHL pioneered new techniques for raising funding from the South African markets to

fund its loan portfolios $($securitization$).$

As a specialist home loan provider, its operations cover the full spectrum of home financing, from its sales force for

origination and in$-$house credit structures to ongoing client and loan servicing and related insurance products. The South

African Home Loans works closely with uMhlanga brokers based in uMhlanga near Durban.

You have been appointed as a Business Analyst for South African Home Loans to create and analyze their loan

underwriting business process model to facilitate business process improvement to improve customer satisfaction and

increase their revenue at the end of the $2023/24$ financial year.

The CEO has requested that you complete this project before $31$ July $2024.$ You have conducted stakeholder engagements

to elicit and gather stakeholder requirements, analyzed policy documents, analyzed standard operating procedures,

performed interviews with subiect matter experts $($SMEs$),$ and observed the various processes from the broker firm and Use Wondershare EdrawMax all$-$in$-$one diagram software to create the BPMN Current State business

process model to depict the loan underwriting process and the collaboration between uMhlanga

Brokers and South African Home Loans.

Question $2$

Apply and illustrate the Cause$-$and$-$Effect diagram as a problem identification business analysis

technique to analyze the Current State business process model you created in question $1$ above to

identify any red issues from the loan underwriting business process model.

Question $3$

In a stakeholder engagement workshop, explain your findings from question $2$ above to stakeholders

and recommend possible solutions to the symptoms or issues you have discovered as a Business

Analyst. Use the Business Model Canvas as your business architecture model diagram to present your

analysis results and suggest two possible solutions.

Question $4$

In a Stakeholder Collaboration session, use the McKinsey $7$S Framework to challenge uMhlanga

Brokers' legacy business rules to stop using their legacy system.