Job description
Key Responsibilities:
- Originate and develop quality lending opportunities within the corporate and mid-market sector.
- Build and maintain a sustainable pipeline through business development and relationship management.
- Develop tailored financing solutions aligned to client requirements and business objectives.
- Structure commercially viable lending transactions while balancing risk and return considerations.
- Coordinate transactions from initial engagement through credit approval, documentation, and funding.
- Prepare transaction proposals, investment memoranda, credit submissions, and client presentations.
- Conduct detailed financial, commercial, and credit assessments.
- Analyse financial statements, cash flows, repayment capacity, and transaction risks.
- Present transactions for internal approval and engage with relevant stakeholders throughout execution.
- Manage approved transactions through to financial close and drawdown.
- Monitor portfolio performance, covenant compliance, and emerging credit risks.
- Build and maintain strong relationships with clients, advisers, investors, and internal stakeholders.
- Stay informed on economic, industry, and regulatory developments impacting the lending environment.
- Contribute to strategic initiatives, product development, and process improvements.
Job Experience and Skills Required:
- Bachelor's Degree in Finance, Accounting, Economics, Commerce, or a related field.
- Postgraduate qualification (CA(SA), CFA, MBA, or related qualification) advantageous.
- 2-4 years' experience within a lending, structured finance, or dealmaking environment.
- Exposure to corporate banking, commercial banking, structured finance, private credit, asset finance, or business banking.
- Demonstrated experience in originating, structuring, and executing debt transactions.
- Strong financial statement analysis and cash flow modelling capability.
- Experience with credit underwriting, financial modelling, and transaction structuring.
- Ability to assess transaction risks and develop suitable risk mitigants.
- Experience engaging with business owners, financial directors, and professional advisers.
- Proven ability to manage transactions through approval, documentation, and funding stages.
- Strong negotiation, presentation, and stakeholder management skills.
- Existing professional network and business development capability advantageous.
Competency Requirements:
- Commercial Acumen
- Relationship Building
- Influencing and Negotiation
- Entrepreneurial Mindset
- Strategic Thinking
- Problem Solving
- Client Focus
- Resilience
- Sound Judgement
- Collaboration
- High Integrity
- Initiative and Accountability
- Strong Time Management Skills
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