Real Estate Consultant BB - Polokwane

Job Summary

• The Real Estate Consultant Business Banking will be appointed in the Limpopo office based in Polokwane.
• The successful candidate will be responsible for originating and managing commercial property finance transactions across market segments with a focus on Wealth, Growth, Premium and High Value clients
• A minimum of 6 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

• The Commercial Property Finance team has the primary responsibility within the Bank for the coverage of real estate clients.
• The position involves originating, structuring and managing commercial property finance transactions including owner-occupied property financing across market segments with a focus on Wealth, Growth, Premium and High Value. End to end responsibility for transactions from inception to client acceptance and final pay-away. The role requires a close working relationship with Business Banking & Wealth Coverage, Credit, DocMan and internal legal teams to originate and successfully execute these transactions ey

Accountabilities

Client Service and deal origination

• To identify and originate commercial property finance opportunities from real estate clients as well as owner-occupied property financing opportunities across the Business Bank and Wealth client base
• To formulate, propose and provide tailored and innovative financing and risk management solutions to clients.
• To assist the business in growing the Commercial Property franchise through proactive origination and client engagement.
• At a senior level, to establish and maintain sustainable strategic relationships with clients
• Proactively anticipate, respond to and seek to exceed the expectations of customers.
• Establish and maintain good professional relationships with all internal and external stakeholders.
• To promote and demonstrate a culture of cross-selling, capital efficiency and innovation to deliver superior returns.
• To structure commercial property finance solutions.
• Drive transactions internally, including taking transactions through dealforum, credit, and other internal committees, working closely with other business/product areas, where applicable.
• To develop bespoke financial models to enable detailed credit analysis of lending transactions including development costs and property valuation.
• Manage the execution of transactions from origination to closing, acting as an integral member of the deal team.
• Assist in the preparation of the Term Sheet and Deal Documentation.
• Co-ordination of deal documentation for client signature.
• Logging of deals and client plans as appropriate on Salesforce.
• Assist with client enquiries and issue resolution.
• Keep updated on the relevant banking products and market trends, customer insights and needs by regularly engaging with customers to obtain and manage customer feedback.
• Administer the progress payment process to ensure timeous payments and to be aware of progress and quality on site.
• Provide sector thought leadership to clients and segments serviced.

Maintenance and risk management

• Ensure that all legal, regulatory and policy processes and procedures are adhered to in all transactions facilitated.
• Ensure that transactions comply in all respects with Absa's risk and compliance policies and procedures as well as legal and regulatory requirements.
• Understand and manage risks and risk events incidents relevant to the role, including escalation thereof.
• Drive and assist with annual credit reviews, sourcing the necessary information required.
• Manage high risk customer accounts together with the Credit, CPF Monitoring and Control teams.
• Keep abreast of sector developments, legislation and statutory requirements.

Stakeholder Management

• Build strong relationships with internal and external stakeholders.
• Develop and maintain healthy working relationships with all CPF internal support areas.
• Build excellent and pro-active relationships with the Credit team by seeking their full input into the solutioning process.
• Effectively communicate developments within areas of activity to all relevant stakeholders.
• Ensure impeccable and timeous service levels

Role / Person Specification

Education and Experience Required

• Bachelors Degree in Commerce, Accounting, Finance qualifications or experience
• Honours or equivalent would be preferable
• Minimum 5-7 years of Banking experience
• Significant exposure to commercial property finance

Knowledge & Skills: Maximum of 6

• Detailed understanding of real estate as an asset class
• Understanding of credit analysis
• Understanding of capital structures
• Financial modeling skills
• Understanding of accounting and valuation principles
• Ability to work under pressure, managing competing demands and multiple reporting lines
• Organised approach to work environment and tasks
• Commitment to appropriate actions
• Ability to recognise, communicate and assist in solving problems
• Understanding of the importance of working in a team environment
• Ability to be able to work independently
• Persistence in completing tasks according to standards provided
• Approachable attitude
• Displaying ownership and accountability being liable and responsible for relevant tasks
• Ability to deal with clients and stakeholder internal and external and develop working relationships across the firm
• Excellent communication skills, both written and verbal

Competencies: Maximum of 8 competencies

• Personal & Interpersonal Skills
• Business Skills
• Technical Knowledge
• Organisation and Execution
• Supportive and cooperative
• Ability to work with multidisciplinary teams across the Firm
• Capacity to multi-task across projects / clients, and to own multiple work streams in a congested and fast-moving working environment
• Highly organized. Effective delegation
• Accountability to clients and colleagues for delivery
• Ability to combine attention to detail with big picture thinking, on both a deal specific and broader client basis
• Highly motivated, proactive, hard working, and dedicated to success in his/her career
• Ability to assimilate and retain large volumes of information concerning clients and transactions

Education

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

End Date: August 24, 2026