Lend Deal Maker

FirstRand Bank Limited; Cape Town; On-site; ZAR 900,000 - 1,300,000; Full time

Job summary

FirstRand Bank Limited is seeking a skilled credit professional to analyse financials and assess risk for commercial property financing. You will support lending decisions, prepare credit applications, and collaborate with Deal Makers to structure funding solutions for clients.

The role requires 3–5 years in Commercial Property Finance / Residential Developments, strong analytical ability, and a client-centric approach.

Qualifications

• BCom degree or equivalent in Accounting, Commerce, Finance, or related field.
• 3–5 years' experience in Commercial Property Finance / Residential Developments.
• Strong financial analysis and credit assessment skills.

Responsibilities

• Analyse financial and credit information to assess risk and support lending decisions.
• Assist Deal Makers in structuring commercial property finance transactions.
• Prepare high-quality credit applications and supporting documentation for Credit Committee reviews.
• Deliver excellent client service through proactive and appropriate financing solutions.
• Maintain a strong understanding of economic conditions, business risks, and financial statements.
• Ensure all credit submissions and related activities are accurate, timely, and of a high standard.
• Accountable for individual sales targets for the allocated area.
• Perform end-to-end process from deal origination to deal conclusion by evaluating and presenting applications for funding and structure deals that contribute towards customer and FirstRand objectives and growth under guidance and supervision.
• Manage existing customers and grow portfolio for less complex deals, through the development of innovative and appropriate solutions and by continuously engaging and building an understanding of the customer’s business and needs.
• Work closely with internal teams (e.g. Sales Coverage, Credit) to ensure successful execution of lending products and deals.

Skills

Financial analysis

Credit risk

Deal structuring

Portfolio management

Relationship management

Analytical thinking

Attention to detail

Communication

Collaboration

Client focus

Education

BCom degree or equivalent

Job description

Key Responsibilities

Analyse financial and credit information to assess risk and support lending decisions. Assist Deal Makers in structuring commercial property finance transactions. Prepare high-quality credit applications and supporting documentation for Credit Committee reviews. Deliver excellent client service through proactive and appropriate financing solutions. Maintain a strong understanding of economic conditions, business risks, and financial statements. Ensure all credit submissions and related activities are accurate, timely, and of a high standard. Accountable for individual sales targets for the allocated area. Perform end-to-end process from deal origination to deal conclusion by evaluating and presenting applications for funding and structure deals that contribute towards customer and FirstRand objectives and growth under guidance and supervision. Manage existing customers and grow portfolio for less complex deals, through the development of innovative and appropriate solutions and by continuously engaging and building an understanding of the customer’s business and needs. Work closely with internal teams (e.g. Sales Coverage, Credit) to ensure successful execution of lending products and deals.

Minimum Requirements

• BCom Degree or equivalent in Accounting, Commerce, Finance, or related field
• 3 - 5 years' experience in Commercial Property Finance /Residential Developments
• Strong financial analysis and credit assessment skills

Technical Competencies

• Financial statement analysis
• Credit risk assessment
• Credit application preparation
• Deal structuring
• Portfolio management
• Commercial Property Finance and Residential Developments lending principles
• Understanding of economic and business risk factors
• Relationship Management
• Behavioral Competencies
• Analytical thinking
• Strong attention to detail
• Effective communication skills
• Ability to work collaboratively
• Client-focused approach
• Strong quality orientation

You will have access to:

• Opportunities to network and collaborate
• A challenging and rewarding working environment
• Opportunities to collaborate and innovate

You will be a match if you are:

• Adaptable and curious
• Sales driven
• Thrive in a collaborative environment
• Client-centric

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.

FirstRand provides a comprehensive range of financial services in South Africa and certain markets in broader Africa. The group also offers certain niche products and services in the UK and India. Listed on the Johannesburg Stock Exchange (JSE) and the Namibian Stock Exchange (NSX), FirstRand Limited is the largest financial institution by market capitalisation in Africa. The group follows a multi-branding approach. Its portfolio of financial services businesses includes FNB, RMB, WesBank, Ashburton Investments, Aldermore, MotoNovo and DirectAxis. Many are leaders in their respective segments and markets, offering transactional, lending, investment and insurance products and services. The FirstRand Corporate Centre houses many of the critical functions required by a large and complex financial services group. The group's track record of delivering superior returns to shareholders has been achieved through a combination of organic growth, acquisitions, innovation and the creation of completely new businesses. The group’s purpose of delivering Shared Prosperity provides many opportunities for employees to innovate to address social and environmental challenges in our markets. All of our businesses have successful Volunteering programmes which also allow employees to adopt and support causes close to their hearts.