TWC Transactor

RMB Nigeria Limited; Johannesburg; On-site; ZAR 600,000 - 900,000; Full time

Benefits offered by this job

Networking opportunities

Challenging work

Job summary

RMB Nigeria Limited in Johannesburg seeks an experienced Transactor to lead deal origination, structuring, implementation and client engagement across the bank’s allocated sector. You will articulate client plans to retain key clients, grow revenue and enhance experiences while balancing risk and return with internal stakeholders.

Ideal candidates hold a BCom in Accounting with 4–5 years' banking experience; Short-Term Lending exposure is advantageous. This role is based on-site in Johannesburg.

Responsibilities

• 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.

Education

Bachelor of Commerce in Accounting

Job description

Dear 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 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 experience

Responsibilities

• 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.

Ideal Candidate

• have a Bachelor of Commerce in Accounting
• have 4 to 5 years' experience in a similar role, preferably within Banking.
• Short-Term Lending experience will be advantageous.

Benefits

• Opportunities to network and collaborate
• Challenging Work Opportunities to innovate

Important Closing Date Note Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below. 12/09/26

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.

We will review and select suitable candidates in accordance with our inclusive recruitment practices.