Associate: CPF

Job description

Empowering Africa’s tomorrow, together…one story at a time. With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group. Belonging at Absa Absa is committed to creating an inclusive workplace where everyone can thrive. We are an equal opportunity employer and welcome applications from suitably qualified individuals from diverse backgrounds. In support of our Diversity, Equity, Inclusion and Belonging (DEIB) commitments and Employment Equity objectives, preference may be given to candidates from underrepresented designated groups, including persons with disabilities. We encourage applicants who may require reasonable accommodation during the recruitment process to let us know so that appropriate support can be provided. 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)