Job Opportunities at RMB - Rand Merchant Bank

Job Description
Hello future Credit Analyst

Credit Research

• Manage the planning, execution and governance for new and annual credit reviews/ratings and deal transactions.
• Presentation, support, and enablement of team members at relevant governance forums  
• Responsible for assessment of new transactions where Credit risk is undertaken.
• Proactive engagement with deal teams on complex deal transactions around structure, covenants and pricing
• Interact with relevant Legal Advisor to ensure that Legal agreements are concluded for all transactions where credit risk is taken.
• Review of exposure limits, ratings and systems for Credit  exposures.
• Ensure team compliance with the bank’s credit risk framework, lgd models and prudential limit guidelines
• Work closely with the Head of Credit Research in the management and reporting of  breaches in terms of concentrations and risk limits
• Attendance, input and interaction at relevant forums, committees etc. related to Credit Risk.
• Make recommendations to optimise credit processes and “ways of working” 
• Ad hoc requests related to credit research function

Client Engagement

• Providing key stakeholders with pro-active research insights into trends, market risk appetite, issues, threats, and opportunities in all credit portfolios
• Be proactive in sharing insights across the Ashburton business and risk cluster in respect of counterparties where Credit exposure is taken.
• Partnering with business clusters to maintain credit losses, profitability and other credit risk exposures
• Work in collaboration with the Portfolio Managers, to ensure alignment in  thinking about credit exposures.
• Asset Class Knowledge
• Provide insight and optimise problem management processes with risk prone investments on the surveillance and watchlist
• Facilitate the understanding for the suitability of instruments for specific portfolios in accordance with their mandates.
• Propose strategies for managing identified risks in credit

Analysis

• Ensure the analysis, identification and mitigation of counterparty exposures and mitigations through detailed knowledge of environmental factors
• Have a detailed knowledge of the critical key macro environmental impacts and inter-relationships e.g. jurisdictional compliance, sector developments, regulations, financial markets, country risk
• Understand and apply/translate the critical micro-environmental impacts and relationships e.g. company performance trends, financial data, debt profile, gearing, projected cash flows, operations
• Proactively manage credit risk metrics that are identified via risk dashboards and reporting
• Provide technical support in the implementation of a credit limit monitoring system with Risk and Operations.

You will be an ideal candidate if you:

• Have completed CA(SA), CFA considered favourable
• Minimum 3 years relevant experience in an asset management or investment banking environment and exposure to credit portfolio risk
• Have exposure to credit risk modelling
• Have knowledge of factors affecting national and global companies and their impact on investors
• Have Knowledge of risk management methodologies, tools, governance structures and regulatory requirements 
• Have a thorough understanding of the investment process and the risks therein

You will have access to:

• Opportunities to network and collaborate
• Challenging work
• Opportunities to innovate
• We can be a match if you have:
• Curious & courageous - you're driven by always wanting to know more and learn more and you're brave enough to
• Obsessed with mastery - you know what it takes to become good at what you do and are constantly pushing yourself to do it
• Have Strong people skills needed in order to build trust and confidence within the Ashburton business
• Have Good communication and presentation skills

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Job Description

• To drive compliance with regulations by implementing and maintaining internal controls, identifying process improvements, and supporting new product implementation and development
• To take responsibility for managing significant components of the day-to-day trade execution operations and maintain service level agreements with various stakeholders

 Are you someone who can: 

• Provide input into the development of the business area tactical strategy in achievement of the overall business strategy
• Develop and implement an area operational plan in achievement of Business objectives
• Business process efficiency and improvement management by identifying and directing the analysis of existing processes to identify gaps and opportunities for improvement to mitigate operational risk and ensure all processes are documented and updated regularly
• Implement, monitor and control business processes according to quality standards; policy; and compliance and governance requirements in area of accountability and work closely with Operational Managers to monitor exceptions, ensure they are resolved promptly and to analyse and address operational breakdowns and gaps which includes working with the operational teams to Identify root causes of operational breakdowns and resolve / escalate to relevant stakeholders
• Ensure the development, alignment, mapping and implementation of end-to-end processes aligned to the customer journey map
• Research, enable and consult on improvements and opportunities to harness technology and platform enablement
• Review existing processes and suggest innovative ideas to improve and streamline processes to drive efficiencies and minimise redundancy
• Monitor customer feedback reports and align processes to maximise efficiencies
• Ensure compliance with relevant statutory, legislative, policy and governance requirements in area of accountability
• Identify system issues and liaise with Technology to remedy, in addition to this work with the team to identify opportunities for system enhancement and work closely with Technology to implement proposed changes
• Implement and provide input into the development of governance and compliance procedures and processes within area of specialisation and identify risks
• Networks and participates in specialist risk forums where required
• Provide input into the budget and manage and report on budget usage that reflects delivery of planned work within agreed parameters
• Control expenditure and identify process improvements to contain and reduce costs
• Identify and utilise opportunities within the product operational fulfilment processes and engagements for revenue growth to deliver on sales targets
• Ensures that teams in operations maintains a full understanding of both the internal and external customer needs to deliver a quality service
• Ensure customer service solutions are aligned to the business operational plan and organisational values and service standards
• Communicate how customer service solution will be implemented and secures buy-in
• Ensure product knowledge and advice is technically accurate and provide customers with relevant information to keep them informed of products and service options
• Ensure resolution of customer queries and complaints timeously and ownership of issues
• Build relationships that allow for the managing of expectations; the sharing of knowledge and diverse insights; and the creation of buy-in  by engaging in cross-functional relationships to obtain and to provide work support
• Understand competencies and skills required for own and employee's development and performance
• Identify development needs and select effective solutions to address own and employee development needs
• Ensure that each employee prepares a personal development plan that is implemented and reviewed as required
• Provide on the job coaching and guidance
• Manage team delivery against goals in the area of responsibility.
• Manage performance moderation, disciplinary action, recognition and retention processes in line with HR policies and procedures.
• Participate in Talent Management practices and processes in line with HR policies and procedures.
• Implement employment equity plan targets in all recruitment and employee movement activities.
• Manage performance of employees by clearly defining goals and objectives and providing direction, coaching and regular feedback
• Ensure skills are transferred in specific functions.
• Ensure conflict resolution and respond to any complaints or concerns
• Set relevant stretch goals for team and motivate achievement.
• Participate and contribute to a development culture where information regarding successes, issues, trends and ideas are actively shared
• Build and sustain collaborative working with relevant peers and stakeholders, both internal and external, to achieve productivity synergies.
• Participate in specialist communities of practice and contribute positively to own and organisational knowledge improvement
• To complete market community testing and attend market initiative workshops

You will be an ideal candidate if you have:

• Minimum of the bachelor’s degree in the discipline of Finance or Commerce or Investment Banking
• Preference is a Post Graduate qualification in the discipline of Finance or Commerce or Investment Banking or Trading

Experience and Skills

• Minimum of 3 - 5 years’ experience in a similar environment, of which 1 - 2 years ideally at junior management level
• Minimum of 5 - 8 years’ overall experience in a similar environment, in a Corporate Investment Banking (CIB) industry
• CIB operations process management and team leadership
• Financial markets and CIB product knowledge
• Basic operational risk knowledge in financial services (investment banking) which includes KYC and AML
• Financial and accounting knowledge

You will have access to: 

•  Opportunities to network and collaborate 
•  Challenging Working 
•  Opportunities to innovate 

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Hello Future Cost Accountant!

• The Cost Accountant is an experienced Cost Model Custodian role within the RMB Operations Finance Enablement team, specifically relating to the Cost Attribution Capability.  The Finance Enablement team is a new team being built out under the Enablement COO space within RMB.  One of the key capabilities is the RMB Centre Cost Attribution model which we run and distribute to Finance as the product owner.

Are you someone who can: 

• Generate systems and costing models based on actual activities in the relevant business areas, by consulting and liaising with managers to identify cost drivers.
• Find situation-specific solutions whilst using technology and systems in the most efficient way possible.
• Analyse activities, products and services of all cost centres to identify critical cost drivers in collaboration with business managers.
• Provide input into costing projects involving a segment, business unit, function or country/region (as applicable).
• Influence creative business solutions, optimise processes, and inform strategic decisions through cost modelling and data analysis.
• Build, run and execute cost models and provide required reports for business.
• Build and calculate cost models and work within established work and service processes.
• Source relevant data in line with the operating process, based on specific model and inventory requirements, and continue to improve the data gathering process through continuous efficiencies and automation.
• Once data has been made available, create a dashboard to track inputs received against deadlines to completion as well as quality thereof, or error rate.

You will be an ideal candidate if you: 

• Have a Bachelors Degree in Finance or Accounting
• Have previous experience as a Cost Accountant
• Completed CIMA and Investment Banking experience is preferred but not essential
• Have strong Excel and Power BI experience and have worked with large data sets

You will have access to: 

• Opportunities to network and collaborate
• Challenging Working
• Opportunities to innovate

We can be a match if you are: 

• Curious & courageous - you're driven by always wanting to know more and learn more and you're brave enough to
• Obsessed with mastery - you know what it takes to become good at what you do and are constantly pushing yourself to do it
   

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Job Description
Hello Future Murex Developer!

• This role is within the Credit Risk management team, using the Murex MLC system, experience with integrating and consolidating information across teams, debugging issues, and managing end-to-end workflows.

Are you someone who can: 

• To develop innovative, reusable, competitive solutions and contribute actively to a collaborative developer community
• To work closely with key business stakeholders to make recommendations on the use of new and emerging technologies, which provide the competitive advantage and a clear technical roadmap to maintain stability of all technical platform
• Produce consistently high-quality outputs within agreed deadlines

You will be an ideal candidate if you: 

• Have a Degree in computer science, information systems, or related fields
• 2 years development experience
• Previous experience within Credit
• You should have an understanding of regulatory requirements and or compliance, be able to provide examples of working with cross-functional teams to meet project requirements.
• Have a strong mathematical background
• Strong analytical skills

You will have access to: 

• Opportunities to network and collaborate
• Challenging Working
• Opportunities to innovate

We can be a match if you are: 

• Curious & courageous - you're driven by always wanting to know more and learn more
• Obsessed with mastery - you know what it takes to become good at what you do and are constantly pushing yourself to do it

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Job Description

• This role is within the Credit Risk management team. The Credit Business Analyst will take responsibility for defining requirements and product sets for configuration and maintenance of existing modules of the Murex product suite. Currently this suite comprises the Murex Limits Controller, and Basel II Credit Capital Calculator modules.

Are you someone who can: 

• Demonstrate an understanding of credit processes, systems, information requirements, flows and functional system requirements.
• Build, develop, and maintain the business processes for Credit to help identify and understand the workings of the business, and thereby to derive the business requirements and constraints that the resultant systems implementations must address (Including current and to-be business processes).
• Analyse the gaps between the current and future state to determine the extent of change required to realise the future state objective. Identifies processes in need for re/design (e.g. due to inefficient operations) and identifies options to improve them gaining stakeholder buy-in.
• Supports the efficiency measures and targets of end-to-end Credit processes including touch points in Business Units.
• Assisting project teams with touch points in the Murex configuration to translate business needs into system functionality.

You will be an ideal candidate if you have: 

• A relevant degree or Qualification
• Previous Business Analyst experience
• At least 2 - 5 years demonstrated practical experience in major projects / areas with relevant exposure to the credit business.
• A strong background in implementation of build and buy business solutions.
• Experience in the Investment banking sector (advantageous)
• Excellent excel skills are required for creating and maintain test packs and test scenarios

You will have access to: 

• Opportunities to network and collaborate
• Challenging Working
• Opportunities to innovate

We can be a match if you are: 

• Curious & courageous - you're driven by always wanting to know more and learn more
• Obsessed with mastery - you know what it takes to become good at what you do and are constantly pushing yourself to do it
   

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Job Description

• The Operations Specialist role is responsible for ensuring correct and effective management of daily operations of Investment banking transactions within the framework of the Bank’s policies and legal documentation.Supports front office teams with the processing of confirmations, settlements and reconciliations across the various product sets. And performs daily operations to fulfil investment banking transactions and mitigate associated operational risks.

RESPONSIBILITIES:

• Calculate and collect all settlements related to the transaction.
• Generate and send Bond settlement letters to corporate clients.
• Confirm interest, capital, redemptions, partial redemptions, early maturities, top and reductions for corporate clients
• Assign Standard Settlement instructions for various payments.
• Track and complete recoverable expenses.
• Track and complete Fee invoices.
• Generate and upload audit confirmations.
• Ensure reconciliations and exception reports are cleared within SLA timeframes.
• Optimize processes to mitigate operational risk and reduce operational breakdowns.
• Continually look for ways to enhance efficiencies through standardization and/or automation.
• Produce accurate, timely, and relevant operational reports.
• Deal with operational queries on transactions and maintain good working relationships with all clients, auditors, etc.
• Maintain relationships with other business units and support areas in the Bank to ensure transparency and delivery of the transaction requirements.
• Participate in (and/or drive) ad hoc projects as required around the operations function.
• Effective teamwork, self-management, and alignment with group values
• Work on process engineering and business optimization initiatives to ensure effective and efficient operation of IBD deals and reporting.
• Liaise with auditors, prepare audit certificates, and deal with operational audit queries.
• Liaise with Operations, Credit, Compliance, Tax, Accounting, IT, Excon and Legal

ADDITIONAL REQUIREMENTS:

• Ability to lead self and has shown that they can lead or supervise others.
• A passion for operations.
• Motivation to take on multiple tasks, prioritizing their own tasks and can cope with deadlines.
• Be thorough and meticulous with a strong interest in figure-oriented work. Be procedure and process oriented.
• Candidate must be able to problem-solve tasks.
• The candidate must have a service excellence orientation.
• Ability to work well both in a team and independently.
• With a good understanding of operational processes with a view to mitigate operational risk.
• Must have knowledge of Investment banking deals and processes.
• Have the ability to develop and maintain professional relationships with major corporate customers as well as external and internal auditors.
• Experience with swift and capturing payments.
• And show proactiveness and willingness to go the extra mile.
   

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Job Description

• Develop an intimate understanding of the real estate sector and client’s businesses
• Implement strategies to originate and execute transactions for clients
• Implement effective sales strategies and plans to ensure delivery of client plans in order to exceed financial targets and improve the quality of client experience
• Understand the activities of competitors and the impact of these on the relationship with the organisation’s real estate clients
• Manage regular client interactions to maintain relationships and pursue and grow business opportunities
• Create a business plan/strategy for each client and potential client
• Network with key clients and industry players to generate leads and create brand awareness
• Follow up on all leads, reacting promptly to requests for service and identifying client needs promptly and proactively
• Prepare and present appropriate and convincing arguments that take into account the needs of both clients and the bank
• Maintain a thorough knowledge of client profiles in the portfolio
• Keep up to date with financial and capital structures of business, growth plans, strengths and weaknesses, and competitors
• Balance technical input and marketing skill to address client environment and needs
• Establish credibility for the bank by the skillful application of specialist knowledge to deal with real estate sector clients
• Maintain good relations with team members, support staff and other transactors in other divisions/business areas
• Perform appropriate financial modelling and cash flow analysis to arrive at appropriately structured financing solutions
• Structure transactions appropriately by balancing risk and reward and manage the credit application process in a timely and efficient manner
• Monitor the portfolio of exposures on an ongoing basis to ensure risk and exposure is managed
• Mine portfolio data to identify opportunities for further business and to identify risk indicators
• Be disciplined and efficient in ensuring that controls are in order and turnaround times are adhered to
• Remain alert to changes in risk profiles of the portfolio and structure alternative mitigation or remedial plans to contain or minimise potential losses
• Participate in planned activities that are appropriate for own and employee development
• Develop, encourage, and nurture collaborative relationships within RMB and/or across the FirstRand group.

Requirements:

• Honours or Post Graduate degree in the relevant discipline 
• 1 - 3 years of relevant financial sector experience, preferably in a Corporate and Investment Banking environment
• Financial modelling skills/sound numerical skills
• Good written and verbal communication skills (including the ability to compile presentations and reports)
   

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Job Description
To develop innovative, reusable competitive solutions and contribute actively to a collaborative Developer community

To maintain stability of all technical platforms

• Intengo Market aims to digitize and democratize the debt capital markets, with a focus on transparency, creativity, and credibility. Our innovative technology platform creates a centralized fixed income ecosystem for issuers, investors, and banks, enabling seamless interaction. We offer a range of exciting features on our digital platform, including a new issuance wizard, auction tracker, market insights, settlement orchestration, documentation and templates, lifecycle notifications, and enhanced price discovery

Responsibilities

• Drive scalable and sustainable solutions built based on best development practices
• Continually scan the industry to identify opportunities to create strategic partnerships with key individuals and bodies
• Follow best practice and principles governance policy frameworks and utilisation of tools for the technology of the domain
• Understand and contribute to a knowledge sharing environment
• Produce a well operationalised solution on time that surpasses the requirements and performance expectations
• Adopt a framework centric approach to prompt feasibility and reduces failure demand
• Initiate dialogue to build professional working relationships with all stakeholders displaying excellent abilities to listen, advise, influence, negotiate and present at all levels
• Integrate opinions and information provided by various sources to make strategic decisions
• Engage in recruitment development, performance management, remuneration and rewards, career path planning, on the job training, coaching, and mentoring of development team
• Motivate, delegate, and empower appropriately, enabling direct reports to take responsibility and display appropriate creativity and initiative
• Demonstrate pride in the organisations brand services and products by consistently delivering on the brand’s promise
• Follow through to ensure that personal quality and productivity standards are consistently and accurately maintained
• Maintain a positive attitude and respond openly to feedback
• Plan and manage own workflow anticipating obstacles, juggling priorities and following through on objectives within agreed time frames and according to quality standards
• Take ownership of personal career development leveraging formal and informal opportunities
• Take accountability for promoting and actively driving team culture

Qualifications and relevant experience

• 10+ years of software development experience, with an emphasis on web application development
• 2+ years of team leadership/ management experience
• Bachelor's degree in computer engineering, Computer Science or related field
• The following skills and experience would be highly advantageous:
• Angular and Microsoft technology stack (including ASP.NET Core, SQL Server, and Microsoft Azure PaaS)
• Cloud architecture, AWS and/or Microsoft Azure
• Platform operations and DevOps practices, including CI/CD, infrastructure as code, automation, and collaboration between development and operations teams, to ensure efficient and reliable software delivery
• Knowledge of financial markets and debt capital markets
• PowerBI or similar Business Intelligence tools
• Strong problem-solving and critical thinking skills

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Job Description
Please note this is a 6-month fixed term contract

• To organise, streamline and oversee the onboarding of New to Bank and Existing to Bank clients within the agreed service level agreements (SLA).
• Collaborate closely with relevant business units and RMB product houses as per strategy to identify revenue opportunities
• Drive opportunities for revenue growth and cost reduction such as adoption of digital and other self service options across client base
• Ensure full understanding of customer needs to deliver a quality service
• Ensure customer service solutions are aligned to the business operational plan; Organisational values and service standards
• Communicate how customer service solution will be implemented and secures buy-in
• Ensure product knowledge and advice is technically accurate and provide customers with relevant information to keep them informed of products and service options
• Ensure resolution of customer queries and complaints timeously and ownership of issues
• Analyse customer feedback to help improve customer service
• Propose ideas to improve customer service
• Build relationships that allow for the managing of expectations; the sharing of knowledge and diverse insights; and the creation of buy-in
• Engage in cross-functional relationships to obtain and to provide work support
• Communicate with the client across all onboarding stages to keep the client informed of the status
• Build and maintain professional working relationships with all stakeholders, displaying excellent abilities to initiate dialogue, listen, advise, influence and negotiate to achieve win-win outcomes
• Research, enable and consult on improvements and opportunities to harness technology and platform enablement
• Review existing processes and suggest innovative ideas to improve and streamline processes to drive efficiencies and minimise redundancy
• Monitor customer feedback reports and align processes to maximise efficiencies
• Improve business decisions by providing accurate and reliable business intelligence (information) together with analysing trends and data
• Provide regular reports on delivery of services against agreed service level agreements and in terms of overall customer targets
• Accumulate information to review work progress that provides input to reporting, decision making and the identification of improvement opportunities
• Engage with customers to understand their unique requirements, drive value optimisation and advise best options for product integration and wealth management
• Manage the growth of active customer account base
• Provide input into the development of the business area tactical strategy in achievement of the overall business strategy
• Develop and implement an area operational plan in achievement of Business objectives
• Respond to KYC status of clients while managing the requests received to on-board all new clients to the Bank (includes client product and channel requirements)
• Receive requests to facilitate on boarding or share KYC documentation with other lenders (eg. agency, syndication and distribution)
• Receive requests to issue KYC confirmation certificates to 3rd parties (eg to Vistra for Plover SARL)
• Prepare on-boarding documentation with existing client data and from third party sources to the extent available
• Communicate outstanding requirements to client in a client centric manner
• Receive responses from clients- address all queries and review returned documentation (including FATCA/CRS) within agreed SLA time (includes escalation to Compliance if required)
• Conduct screening and provide risk rating to EBS KYC Fulfilment for capturing into CDS
• Send complete KYC documentation to EBS fulfilment for creation of GS profile and capturing
• Complete facilitation and pre-population of account documentation for account opening, account maintenance and account closure processed for new and existing clients by collating necessary documents and forms and sending documents to the respective fulfilment area for processing and enactment.
• Comply with all relevant statutory, legislative, policy and governance requirements as well as set processes and procedures related to KYC and privacy.
• Is the custodian for all client data within allocated portfolio, ensuring data integrity
• Maintain and updating of client mandates including account signatories, resolutions and telephonic mandates.
• Supports and/or facilitates the documentation requirements to execute the client’s credit related activities (including, but not limited to: credit application, credit facilities loading or reduction, commitment fees, age analysis and invoicing, excess reports and general facilities utilization reporting), with input from the Relationship Manager.
• Draft necessary letters as required by client from the bank, within authorized mandates (e.g. letters of good standing).
• Assess own performance against competencies and skills required delivery
• Identify development needs and select effective solutions to address own development need
• Prepare a personal development plan with management to implement and review as required
• Monitor own progress against development plan and measure impact of results
• Assess own performance against competencies and skills required delivery
• Identify development needs and select effective solutions to address own development need
• Prepare a personal development plan with management to implement and review as required
• Monitor own progress against development plan and measure impact of results
• Assess own performance against competencies and skills required delivery
• Identify development needs and select effective solutions to address own development need
• Prepare a personal development plan with management to implement and review as required
• Monitor own progress against development plan and measure impact of results
• 3 to 5 years experience in a Banking or Financial Services environment with client service, compliance / legal experience. 

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Job Description

• The individual will form part of the Institutional sales function for Ashburton Investments focusing on Investment Consultants, Multi Managers, Retirement Funds and Medical Schemes.
• Ashburton’s objective is to build a world class sales and client service capability which supports the firm’s goals of deepening and strengthening its value proposition and relationships.

Are you someone who can:

• Represent Ashburton Investments in the institutional market.  
• Understanding of domestic and international markets.  
• Keep abreast of the regulatory framework as it relates to investments.
• Achieve pre-determined AUM targets and preserve existing assets.
• Participate in public forums, fund conferences, investor road shows and other marketing initiatives.
• Maintain accurate and up to date client CRM data.
• Create opportunities for thought leadership pieces and manage the distribution of periodic marketing collateral.
• Coordinates, prepare and host client engagement both online and in person.
• Effectively interpret performance data and utilize results to build client rapport, and a competitive value proposition that factors in specific client needs.
• Initiating and supporting the onboarding of clients.
• Identify opportunities to streamline processes and procedures, creating efficiencies.
• Assist with various administrative duties where necessary.
• Ensure sales practices and process comply with internal and external standards.
• Ensure adherence to compliance requirements and standards.
• Contribute meaningfully towards business strategy. 

You will be an ideal candidate if you:

• Have completed a relevant undergraduate degree.
• Honours, Masters and/or CFA will be an advantage.   
• Minimum 5 years of distribution and sales experience working for an asset manager.
• An accomplished sales track record.

You will have access to:

• Exciting networking and collaboration opportunities.
• A dynamic and challenging work environment that pushes you to excel.
• Innovative projects where your creativity can shine.

Personal Attributes 

• Honesty and integrity are of utmost importance.
• Entrepreneurial go-getter.
• Ethical and professional.
• Strives for excellence and ownership within area of responsibility.
• Structured and organized.
• Strong people skills are required to build stakeholder trust and confidence.
• Good communication and presentation skills.
• Must conform to the values of FirstRand and the principles by which Ashburton Investments operates.

We can be a match if you have:

• Are persuasive with exceptional sales ability.
• Good business acumen
• Ability to build and maintain relationships at the highest level.
• Problem solver.
• Good analytical skill set with attention to detail.
• Results Orientated.
• Executive disposition.
• Leader and influencer.
• Astute and Risk aware.