TWC Transactor

RMB - Rand Merchant Bank; Johannesburg; On-site; ZAR 1,200,000 - 2,000,000; Full time

Job summary

Rand Merchant Bank in Johannesburg seeks an experienced Transactor to lead origination, structuring, and execution of trade and working capital transactions for corporate clients. You will drive growth and profitability by delivering tailored funding solutions and managing complex deal cycles.

The role requires deep credit analysis, advanced transaction structuring, and strong client relationships. You will collaborate with Credit, Legal, Operations, and Product teams to ensure seamless deal

Qualifications

• 8 to 10 years' experience in corporate and investment banking.
• Strong understanding of trade finance instruments and credit analysis.
• Ability to structure and negotiate complex banking transactions.

Responsibilities

• Originate, structure, and execute trade finance and working capital transactions.
• Develop client-specific strategies to grow revenue and market share.
• Negotiate and close deals while balancing risk and rewards.
• Coordinate with Credit, Legal, Operations, and Product teams for execution.
• Monitor portfolios and manage exposures; remediate distressed cases.
• Mentor junior transactors and support staff in trade and working capital products.

Skills

Credit analysis

Transaction structuring

Client relationship management

Negotiation

Leadership

Stakeholder management

Communication

Education

Bachelor of Commerce with Honours

CFA or CA(SA) advantageous

Job description

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 seeking an experienced Transactor to lead origination, structuring, and execution of trade and working capital transactions for corporate clients. The successful candidate will drive business growth, profitability, and client satisfaction by delivering tailored funding solutions and managing complex deal cycles in the trade and working capital space.

Are You Someone Who Can

• Originate, structure, and execute trade finance and working capital transactions (e.g. invoice discounting, borrowing base facilities, commodity finance, debtor book securitizations and general banking facilities).
• Develop and implement client-specific strategies to grow revenue and market share in the Trade and Working Capital segment. Strategies shall include vanilla trade.
• Negotiate and close deals, balancing risk and reward, and ensuring alignment with client needs and bank objectives.
• Build and maintain strong relationships with key stakeholders (Client Corporate Group relationship managers, vanilla trade team and corporate clients).
• Conduct regular client meetings to understand business needs, identify opportunities, and proactively market appropriate solutions.
• Serve as the primary point of contact for clients, coordinating all aspects of transaction execution and ongoing portfolio management.
• Perform financial modelling and cash flow analysis to structure appropriate financing solutions.
• Prepare and present credit applications, working closely with Credit Managers to assess and mitigate risks.
• Monitor client portfolios, proactively manage exposures, and implement remedial actions for distressed or watchlist clients.
• Ensure compliance with risk policies, pricing for risk, and regulatory requirements.
• Collaborate with internal stakeholders (Credit, Legal, Operations, Product teams) to ensure seamless deal execution.
• Network with industry players, attend sector events, and generate leads to enhance brand awareness and business development.
• Mentor and coach junior transactors and support staff, sharing expertise in trade and working capital products and processes.
• Foster a collaborative team environment and contribute to employee development.

You Will Be An Ideal Candidate If You Have

• 8 to 10 years' experience in corporate and investment banking, with a strong focus on trade and working capital products.
• Deep understanding of trade finance instruments, working capital solutions, and risk management.
• Advanced credit analysis, and transaction structuring skills.
• Excellent client relationship management and negotiation abilities.
• A Bachelor of Commerce with Honours (required); CFA, CA(SA), or similar qualifications advantageous.
• Strong communication, leadership, and stakeholder management skills.

You Will Have Access To

• 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.

18/11/26

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.