Job Description

• Develop an intimate understanding of the real estate sector and client’s businesses
• Implement strategies to originate and execute transactions for clients
• Implement effective sales strategies and plans to ensure delivery of client plans in order to exceed financial targets and improve the quality of client experience
• Understand the activities of competitors and the impact of these on the relationship with the organisation’s real estate clients
• Manage regular client interactions to maintain relationships and pursue and grow business opportunities
• Create a business plan/strategy for each client and potential client
• Network with key clients and industry players to generate leads and create brand awareness
• Follow up on all leads, reacting promptly to requests for service and identifying client needs promptly and proactively
• Prepare and present appropriate and convincing arguments that take into account the needs of both clients and the bank
• Maintain a thorough knowledge of client profiles in the portfolio
• Keep up to date with financial and capital structures of business, growth plans, strengths and weaknesses, and competitors
• 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 real estate sector clients
• Maintain good relations with team members, support staff and other transactors in other divisions/business areas
• Perform appropriate financial modelling and cash flow analysis to arrive at appropriately structured financing solutions
• Structure transactions appropriately by balancing risk and reward and manage the credit application process in a timely and efficient manner
• 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
• Be disciplined and efficient in ensuring that controls are in order and turnaround times are adhered to
• Remain alert to changes in risk profiles of the portfolio and structure alternative mitigation or remedial plans to contain or minimise potential losses
• Participate in planned activities that are appropriate for own and employee development
• Develop, encourage, and nurture collaborative relationships within RMB and/or across the FirstRand group.

Requirements:

• Honours or Post Graduate degree in the relevant discipline 
• 1 – 3 years of relevant financial sector experience, preferably in a Corporate and Investment Banking environment
• Financial modelling skills/sound numerical skills
• Good written and verbal communication skills (including the ability to compile presentations and reports)