Associate: CPF - Cape Town at Absa South Africa

Job Summary

• The Associate: CPF will be appointed in the Cape Town office. The successful candidate will be responsible for originating and managing commercial property finance transactions across market segments within Relationship Banking. A minimum of 4 years’ experience in Commercial Property Finance as a dealmaker/ banker with strong credit analysis and financial modelling skills essential. Strong networks in property market are essential.

Job Description

• Support the sourcing, securing, and maintenance of real estate opportunities in the Real Estate Finance market, including assisting in presentations and product pitches to internal stakeholders and external clients.
• Contribute to the achievement of profit, growth, and return objectives by supporting senior bankers in sales activities and customer engagement.
• Assist in monitoring and identifying best-practice trends in the Real Estate Finance market, aligning with global industry developments.
• Support the management of a client portfolio by building and maintaining strong, long-term relationships.
• Engage with clients to understand their needs, resolve sales-related queries where possible, and escalate unresolved matters to senior team members or management.
• Assist in managing new applications by gathering required documentation and supporting the structuring of deal conditions.
• Contribute to the preparation of high-quality, comprehensive, and concise credit applications.
• Identify cross-selling opportunities and collaborate with specialists across Business Banking, Wealth, and other areas to broaden client solutions and enhance share of wallet.
• Work closely with senior bankers on portfolio retention, new business acquisition, and overall client coverage.
• Conduct research, maintain, and follow up on a target list of potential new business opportunities.
• Stay up to date with Real Estate Finance products, market trends, and customer needs to support the delivery of tailored client solutions
• Establish and maintain effective professional relationships with clients, internal stakeholders, and key Absa staff.
• Demonstrate initiative, sound judgment, and a willingness to take ownership of tasks under guidance from senior bankers.

Accountability: Deal Structuring

• Devise new loan structures that meet the client's needs taking into consideration sound financial feasibility and risk principles.
• Negotiate acceptance of new Real Estate Finance opportunities

Accountability: Team Work / Supporting Senior Bankers

• Build and maintain strong working relationships with all Real Estate Finance stakeholders.
• Communicate developments and updates effectively to relevant stakeholders in a clear and timely manner.
• Consistently deliver accurate, efficient, and timely support to ensure high service standards.
• Work closely with senior bankers to provide seamless support, contributing to a client-centric approach and enhanced client satisfaction.
• Actively learn, share knowledge, and collaborate within the team to drive collective growth and success.

Accountability: Deal Analysis

• Collect, interpret, and prepare financial information—including cash flow projections, property valuations, development costs, and sensitivity analysis—to support the preparation of comprehensive property finance applications.
• Perform detailed return calculations, demonstrating an understanding of the key variables and drivers that impact outcomes.
• Assist in drafting internal documents and reports for presentation to relevant stakeholders.
• Conduct and compile market research on industry trends, competitor activity, and emerging opportunities.
• Proactively track and analyze market developments to build and maintain a research database that enhances the team’s market knowledge and decision-making.

Accountability: Portfolio Management / Deal Execution

• Support the loan lifecycle from initial client engagement through to final disbursement, working closely with internal stakeholders including Building Project Management, Legal, Valuations, DocMan, and Middle Office.
• Proactively manage the receipt, review, and sign-off of conditions precedent to ensure timely disbursements.
• Assist in resolving client and internal queries promptly to maintain service excellence.
• Contribute to portfolio reviews by providing timely feedback and helping to prevent overdue reviews.
• Assist in market sizing analysis to support deal structuring and decision-making.
• Ensure adherence to the risk and control framework, maintaining a strong control environment.
• Comply with governance requirements and actively identify opportunities to reduce operational risk.
• Support problem-solving efforts and contribute to timely resolution of client complaints or issues.

Education

• Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)

End Date: October 16, 2026