RMB - Rand Merchant Bank is a division of FirstRand Bank Limited, a fully integrated financial services group in South Africa, distinguished by our traditional values and innovative ideas. We have adapted investment banking solutions to suit your personal financial needs and this, together with an entrepreneurial approach, attracts like-minded, discerning clients.
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To lead and direct a credit portfolio to ensure that functional credit strategies align to Bank risk management frameworks to contribute to Bank growth, sustainability and compliance
Credit Origination
Ensure that quality credit proposals are submitted in timely manner to the relevant approval body as dictated by stipulated mandates
Ensure that all cross border and in-country credit applications are properly reviewed
Attend client meetings where appropriate to guide discussions and ensure that required information for credits are obtained
Gain an understanding of more complex deal structures and conduct healthy debates with the deal team around structure, PD, LGD, covenants and pricing
Identify transaction-specific risks and introduce risk mitigation measures as input to structure transactions in line with the risk philosophy of the Bank
Approve credit in line with the delegated mandate framework
Attend credit committees to support credits and motivate for the larger and more complex transactions
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