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Johannesburg Johannesburg, Gauteng Gauteng, South Africa
Closing date
Feb 27, 2024

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Job Role
Contract Type
Full Time
To initiate and lead deal origination, structuring, implementation and client engagement in the Trade and Working Capital Solutions product area to enable improved profitability, market share and competitive positioning. The Transactor at this level articulates and sets the desired Products and Services client plan and specific client strategy to ensure that key Clients are retained, their revenue is grown, and the client experience is improved.
  • Implement working capital and cash flow optimization 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 targets
  • Achieve agreed budget targets for new business and revenue from existing client base but also sourcing new business opportunities externally.
  • Understand the activities of our competitors and the impact of these on our relationship with clients.
  • Develops an intimate understanding of the property sector and the client's business.
  • Proactively manage regular client interaction/visits to maintain relationships and pursue and grow business opportunities
  • Proactively network with key clients and industry players to generate leads and create brand awareness
  • Actively follow up on all leads, reacting promptly to requests for service and identifying clients needs promptly to proactively market appropriate solutions
  • Have the ability to successfully negotiate and get deals accepted by presenting logical, appropriate and convincing arguments that take into account the needs of all parties.
  • Take full accountability for the client relationship. Maintain a thorough knowledge of client profiles in the portfolio through regular contact and on-site visits.
  • Keep up to date with Financial and capital structures of business, growth plans, strengths and weaknesses and competitors
  • Have the ability to appropriately balance technical input and marketing skill to address client environment and needs. Establish credibility for the bank by the skilful application of specialist knowledge to deal with diverse client environments.
  • Manage 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.
  • Maintains good relations with team members, support staff and other Transactors in other divisions/business areas
  • To structure transaction appropriately by balancing risk and reward and manage the credit application process in a timely and efficient manner
  • To negotiate pricing and financing arrangements with client
  • To have a good understanding of the information and analysis required
  • To be able to analyse and optimize a client's cash flow cycle by structuring appropriate trade and working capital solutions in order to arrive at appropriately structured financing solution
  • To manage and monitor the portfolio of exposures on an ongoing basis to ensure risk and exposure is managed
  • Create a business plan/strategy for each client and potential client. Mines portfolio data to identify opportunities for further business and to identify risk indicators
  • Display the ability to be systematic about calling on clients and reviewing portfolios and recording all client dealings
  • Be disciplined and efficient in ensuring that controls are in order and turnaround times are adhered to
  • Conforms to the bank's risk policies and procedures.
  • Assumes ownership of initial credit assessment and is able to decline business that presents an unacceptable credit risk to the organisation with sound justification to the client.
  • Prepares and present all potential new business with existing clients to the Pre- Credit Committee (PCC) prior to proceeding to Credit
  • Works 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 motivates the deal with insightful information regarding business strengths and vulnerabilities.
  • Is alert to changes in risk profiles of their portfolio and is able to structure alternative mitigation or remedial plans in order to contain or minimise potential losses in their portfolio
  • Understanding pricing for risk
  • Participate in planned activities that are appropriate for own and employee development
  • Coach team through providing advice about subject matter, solutions, principles and processes and personal progression with the aim to improve performance
  • Develop, encourage and nurture collaborative relationships within RMB and/or across the FRG

Job Details

Application Closing Date


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.

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