Role Purpose:

Main Accountabilities: 

1. Business Development and Origination

• Source and originate new working capital opportunities through networks and client engagement.
• Build and maintain a strong pipeline of qualified deals.
• Drive market penetration and new client acquisition in the Johannesburg region.

2. Deal Structuring and Execution

• Structure tailored working capital solutions aligned to client needs and risk appetite.
• Manage the end-to-end deal process from origination to payout.
• Ensure efficient execution and turnaround of transactions.

3. Revenue Generation and Profitability

• Generate revenue in line with agreed targets and budgets.
• Optimise pricing and deal structures to maximise profitability.
• Drive sustainable growth through repeat and new business.

4. Credit and Risk Alignment

• Ensure all deals comply with credit, risk, and governance standards.
• Work closely with Credit to structure bankable transactions.
• Maintain quality of book and minimise impairments.

5. Client Relationship Management

• Build and maintain strong, long-term client and intermediary relationships.
• Deliver responsive and professional client service.
• Identify opportunities for cross-sell and repeat business.

6. Stakeholder Collaboration and Deal Enablement

• Collaborate with internal stakeholders (Credit, Legal, Operations) to facilitate deal flow.
• Ensure quality and completeness of deal submissions.
• Support efficient internal processes and communication.

7. Market Intelligence and Strategic Contribution

• Stay informed on market trends and competitor activity.
• Identify new sector opportunities and funding solutions.
• Contribute to strategic growth initiatives within the division.

Qualifications:

• Bachelor’s degree in Finance, Accounting, Economics, or a related field, with postgraduate qualifications or relevant financial services certifications being advantageous.

Experience:

• 2+ years’ experience in the lending environment within Financial Services
• Origination and execution of finance deals with a proven revenue track record (advantageous)
• Proven success in a client-facing role within the Financial Services industry
• Structuring transactions and engaging with credit and risk teams.
• Building and managing client and intermediary relationships.
• Operating within credit, risk, and governance frameworks.
• Exposure to financial analysis, deal structuring, and lending principles.

Skills:

• Deal origination and business development
• Financial analysis and deal structuring
• Negotiation and closing capability
• Relationship management and networking
• Commercial and business acumen
• Credit and risk understanding
• Pipeline management and execution
• Communication and presentation skills

Competencies:

• Results-driven and performance-focused
• Strong commercial judgement
• Relationship building and influencing
• Resilience and tenacity
• Accountability and ownership
• Collaboration and stakeholder alignment
• Decision-making under pressure
• Strategic thinking and opportunity identification