Job Description

To initiate and lead deal origination and structuring, implementation, and client engagement in the allocated sector/product to enable improved profitability, market share and competitive positioning

To articulate and set the desired Products and Services client plan and specific client strategy to retain key Clients, grow their revenue, and enhance client experienceImplement strategies to originate and execute transactions for new clients to the bank (business development)Implement effective sales strategies and plans to ensure delivery of client plans in order to exceed financial targets and the quality of client experience targetsAchieve agreed budget targets for new business and revenue from existing client base, and also source new business opportunities externallyUnderstand the activities of competitors and the impact of these on the relationship with the organisation’s clientsDevelop an intimate understanding of the property sector and the client’s businessManage regular client interaction/visits to maintain relationships and pursue and grow business opportunitiesNetwork with key clients and industry players to generate leads and create brand awarenessFollow up on all leads, reacting promptly to requests for service and identifying client needs promptly to proactively market appropriate solutionsNegotiate and drive deal acceptance by presenting logical, appropriate, and convincing arguments that take into account the needs of all partiesTake full accountability for the client relationship and maintain a thorough knowledge of client profiles in the portfolio through regular contact and on-site visitsKeep up to date with Financial and capital structures of business, growth plans, strengths and weaknesses, and competitorsBalance technical input and marketing skill to address client environment and needsEstablish credibility for the bank by the skillful application of specialist knowledge to deal with diverse client environmentsManage relationships with internal stakeholders being Credit, Legal, Distribution, etc.Hold primary relationship with clients and handle all aspects of client interaction including coordinating and execution of transactions.Maintain good relations with team members, support staff and other Transactors in other divisions/business areasStructure transactions appropriately by balancing risk and reward and manage the credit application process in a timely and efficient mannerNegotiate pricing and financing arrangements with clientHave a good understanding of the information and analysis requiredPerform appropriate financial modelling and cash flow analysis to arrive at appropriately structured financing solutionMonitor the portfolio of exposures on an ongoing basis to ensure risk and exposure is managedCreate a business plan/strategy for each client and potential clientMine portfolio data to identify opportunities for further business and to identify risk indicatorsCall on clients, review portfolios and record all client dealingsBe disciplined and efficient in ensuring that controls are in order and turnaround times are adhered toAnticipate reviews to be performed on clients and be proactive in managing poor loans on the watch listConform 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 clientPrepare and present all potential new business with existing clients to the Pre- Credit Committee (PCC) prior to proceeding to CreditWork closely with the Credit Manager 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 vulnerabilitiesRemain alert to changes in risk profiles of the portfolio and structure alternative mitigation or remedial plans to contain or minimise potential lossesUnderstand pricing for riskParticipate in planned activities that are appropriate for own and employee developmentCoach team through providing advice about subject matter, solutions, principles and processes and personal progression with the aim to improve performanceDevelop, encourage, and nurture collaborative relationships within RMB and/or across the FRGJob Details

Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.

27/09/25

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 we are required by law to disclose this information to other parties.