Are You Someone Who Can:
Originate, manage and maintain transactions by complying with internal procedures and agreed processes, apply knowledge of Companies Act, Excon, FICA, Tax, Accounting where applicable, in implementing and managing the transaction
Hold primary relationship with clients and handle all aspects of client interaction including coordinating and execution of transactions.
Take full accountability for the client relationship and maintain a thorough knowledge of client profiles in the portfolio
Manage regular client interaction to maintain relationships and pursue and grow business opportunities
Create a business plan/strategy for each client and potential client
Implement effective sales strategies and plans to ensure delivery of client plans to exceed financial targets and the quality of client experience
Implement strategies to originate and execute transactions for new clients (business development)
Develop an intimate understanding of clients' businesses and targeted industries
Network with key clients and industry players to generate leads and create brand awareness
Understand the activities of competitors and the impact of these on the relationship with clients
Follow up on all leads, reacting promptly to requests for service and identifying client needs promptly to proactively market appropriate solutions
Balance technical input and marketing skill to address client environment and needs
Establish credibility for the bank by the skillful application of specialist knowledge to deal with diverse client environments
Negotiate and drive deal acceptance by presenting logical, appropriate, and convincing arguments that consider the needs of all parties
Perform financial modelling and cash flow analysis to structure transactions appropriately by balancing risk and reward
Manage the credit application process in a timely and efficient manner
Understand pricing for risk
Negotiate pricing and financing arrangements with client
Manage financial aspects of transactions through understanding and adherence to legal agreements and all applicable regulatory aspects (Companies Act, Excon, IFRS, FICA, Bank's Act, etc)
Provide quality service delivery by being proactive and evidencing a good understanding of the transaction
Contribute to client service delivery culture through adherence to approved organisational service delivery principles
Monitor the portfolio of exposures on an ongoing basis to ensure risk and exposure is managed
Mine portfolio data to identify opportunities for further business and to identify risk indicators
Conform to the bank's risk policies and procedures.
Assume ownership of initial credit assessment and decline business that presents an unacceptable credit risk to the organisation with sound justification to the client
Work closely with the credit team to initiate business deal proposals for new facilities, or facility modifications that require the assessment of credit or other risk, and motivate the deal with insightful information regarding business strengths and vulnerabilities
Remain alert to changes in risk profiles of the portfolio and structure alternative mitigation or remedial plans to contain or minimise potential losses
Develop, encourage, and nurture collaborative relationships within RMB and/or across FirstRand
Manage relationships with internal stakeholders including credit, legal, and distribution
You Will Be An Ideal Candidate If You:
Honours or Post Graduate degree
CFA or similar qualification is advantageous
3 to 5 years' experience in a similar environment, of which 2 to 3 years ideally at specialist level within Leveraged Finance, Corporate Finance or Private Equity
Dealmaking/debt origination skills - ability to conceive, structure and implement complex transactions.
Have a solid understanding and appreciation of credit risk when evaluating transactions
Must be able to analyse financial statements and management interactions, with a view to identifying business risks that clients may be exposed to, which affects the credit risk in a transaction
Deadline:7th February,2026