TWC Transactor

Fnbnamibia; Johannesburg; On-site; ZAR 600,000 - 900,000; Full time

Benefits offered by this job

Networking opportunities

Challenging work

Innovation culture

Job summary

RMB in Johannesburg seeks an experienced Transactor to drive trade sales for structured documentary trade and supply chain finance. You will structure deals, vet legal agreements, and support client onboarding while managing ongoing client relationships.

You will lead negotiations, coordinate with Credit, Legal, and Distribution teams, and develop strategies to grow revenue and market share in the property and corporate sectors.

Qualifications

• Bachelor of Commerce in Accounting.
• 4–5 years’ experience in a similar role.
• CDCS certification (advantage but to be achieved within 12 months).
• Strong knowledge of documentary trade, credit, compliance and risk.

Responsibilities

• Execute trade sales strategy for structured documentary trade.
• Draft deal papers for credit approval and vet legal agreements.
• Onboard clients and support post-sales changes to facilities.
• Negotiate pricing and financing with clients.
• Manage client relationships and coordinate with Credit, Legal, Distribution.

Skills

Business development

Client management

Credit analysis

Negotiation

Financial modelling

Education

BCom in Accounting

CDCS certification

Tools

Credit software

CRM systems

Job description

## TWC TransactorApply: Johannesburg: Full time: Posted Yesterday: End Date: September 26, 2026 (5 days left to apply): R53657# **Job Description**Hi Future TWC 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 and strong ethics. 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 2025, where you can embrace the power of collective thinking to unlock unique opportunities for our clients and society. We are looking for an experienced Transactor to effectively execute the trade sales function, comprising solution structuring, drafting of deal papers for credit approval, vetting of resultant legal agreements, assisting in the closure of conditions precedent, assisting with client onboarding and training, on post sales assisting with changes to and reviews of the facility. To develop, execute and manage the trade sales strategy for selling structured documentary trade, supply chain finance/working capital solutions to a portfolio of clients within the different/relevant sectors. Articulate and set the desired client plan and specific client strategy to ensure that clients are retained, their revenue is grown, and the client experience is improved, as well as implement effective sales strategies and plans to ensure delivery of client plans.**Are You Someone Who Can:*** Implement 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, and also source new business opportunities externally.* Understand the activities of competitors and the impact of these on the relationship with the organisation’s clients.* Develop an intimate understanding of the property sector and the client’s business.* Manage regular client interaction/visits to maintain relationships and pursue and grow business opportunities.* 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 to proactively market appropriate solutions.* Negotiate and drive deal acceptance by presenting logical, appropriate, and convincing arguments that take into account the needs of all parties.* Take full accountability for the client relationship and 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.* 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 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.* Maintain good relations with team members, support staff and other Transactors in other divisions/business areas.* Structure transactions appropriately by balancing risk and reward and manage the credit application process in a timely and efficient manner.* Negotiate pricing and financing arrangements with client.* Have a good understanding of the information and analysis required.* Perform appropriate financial modelling and cash flow analysis to arrive at appropriately structured financing solution.* 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.* Mine portfolio data to identify opportunities for further business and to identify risk indicators.* Call on clients, review portfolios and record all client dealings.* Be disciplined and efficient in ensuring that controls are in order and turnaround times are adhered to.* Anticipate reviews to be performed on clients and be proactive in managing poor loans on the watch list.* Conform 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 client.* Prepare and present all potential new business with existing clients to the Pre- Credit Committee (PCC) prior to proceeding to Credit.* Work 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 vulnerabilities.* Remain alert to changes in risk profiles of the portfolio and structure alternative mitigation or remedial plans to contain or minimise potential losses.* Understand pricing for risk.**You Will Be An Ideal Candidate If You Have:*** a Bachelor of Commerce in Accounting* 4 to 5 years' experience in a similar role.* a certificate for documentary credit specialist (CDCS) – Advantage but will need to achieve within 12 months.* a sound experience in, and knowledge of documentary trade, credit, compliance, risk and legal agreements.**You Will Have Access To:*** Opportunities to network and collaborate* Challenging Work* Opportunities to innovate**Are you interested to take the step? We look forward to engaging with you further. Apply now!**