Transactor : Leveraged Finance

Hello Future Transactor, RMB is a place where exceptional people create their own opportunities by challenging the conventional and driving sustainable impact. United by our proud heritage, strong ethics and philosophy of Traditional values. Innovative ideas, it’s the magic of our people and culture that sets us apart. Now, is the time to imagine your next move with South Africa’s number one employer in Financial Services for 2023, where you can embrace the power of collective thinking to unlock unique opportunities for our clients and society.

Are You Someone Who Can

• Originate, manage and maintain transactions by complying with internal procedures and agreed processes, applying knowledge of Companies Act, Excon, FICA, Tax, and 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, react promptly to requests for service and identify client needs to market appropriate solutions.
• Balance technical input and marketing skill to address client environment and needs.
• Establish credibility for the bank by applying 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 and negotiate pricing and financing arrangements with clients.
• Manage financial aspects of transactions through understanding and adherence to legal agreements and applicable regulatory requirements (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 are 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 with sound justification to the client.
• Work closely with the credit team to initiate business deal proposals for new facilities or facility modifications, 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 plans to contain 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

You Will Have Access To

We Can Be a Match If You Are

Are you interested to take the step? We look forward to engaging with you further. Apply now!

Take note that applications will not be accepted on the below date; kindly submit applications ahead of the closing date indicated below : 25 / 10 / 25.

All appointments will be made in line with FirstRand Group’s Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless required by law to disclose to other parties.

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