Client Structurer (FX) at Rand Merchant Bank

Job Description
The purpose of the role is as follows:

• To independently manage client transactions, and develop tailored structuring solutions that align with client objectives. 
• To leverage a deeper understanding of market products and financial instruments and to conduct detailed financial modelling and risk assessments. 
• To engage directly with clients to assess their needs, prepare detailed proposals, and manage the transaction lifecycle. To collaborate with internal teams and use professional judgement in decision-making on client deals.
• Conduct in-depth analysis of client requirements, meeting with clients to assess financial objectives and develop bespoke market solutions tailored to their needs.
• Develop and refine financial models, using complex assumptions and stress testing to evaluate the feasibility and risks associated with proposed structuring solutions.
• Prepare comprehensive structuring proposals that outline potential product offerings (e.g., bespoke derivatives, structured notes) and demonstrate alignment with client objectives.
• Engage in the transaction process, coordinating with internal teams and external partners to ensure timely execution and compliance.
• Lead client presentations, clearly explaining the proposed structuring solutions, their benefits, and associated risks to ensure client understanding and buy-in.
• Collaborate closely with Risk, Compliance, and Legal teams to address potential regulatory and risk-related issues before transaction approval, ensuring full governance.
• Monitor the performance of structured products within client portfolios, identifying areas for adjustment, restructuring, or risk mitigation and recommending actions to clients.
• Engage in periodic portfolio reviews with clients, analysing performance against benchmarks and market conditions, and proposing enhancements or new opportunities.
• Act as a primary point of contact for clients, responding to queries, addressing concerns, and maintaining strong relationships to drive client satisfaction and repeat business.
• Negotiate structuring terms with clients and internal stakeholders, ensuring that the final structure meets both the client’s objectives and the bank’s risk appetite.
• Maintain an up-to-date knowledge of market conditions, pricing trends, and regulatory changes, proactively adjusting structuring strategies based on these insights.
• Contribute to the development of standard operating procedures for structuring activities, ensuring a streamlined and consistent approach to transaction management.
• Support more junior members of the team, providing guidance and reviewing their financial models and proposals to ensure accuracy and alignment with client needs.
• Participate in new client onboarding processes, ensuring that all structuring-related documentation is completed and that KYC and compliance requirements are fulfilled.
• Lead cross-functional collaboration efforts by facilitating communication between the Structuring, Sales, and Risk teams to enhance the delivery of client solutions.
• Promote a culture of collaboration by actively engaging with colleagues across departments to deliver integrated client solutions.
• Contribute to the high-performance environment by continually refining technical skills and delivering high-quality structuring outcomes.
• Ensure all structuring activities adhere to regulatory standards, promoting a strong culture of compliance and risk management.
• Foster innovation by identifying market trends and client needs that can lead to the development of new structuring solutions.
• Act as a role model, demonstrating organisational citizenship behaviour, promoting continuous learning, teamwork, and attention to detail in all structuring activities.