MAIN PURPOSE OF THE JOB<\/p>\n
\tTo facilitate financing solutions and advise on financial matters related to franchising. Identify potential franchise opportunities within the banking sector and act as a liaison between the bank and franchise businesses, guiding them through the financial aspects of establishing, expanding, or acquiring franchises. Responsible for structuring franchise agreements and negotiating terms and conditions that are beneficial to the bank while also meeting the needs of the franchisees or partners<\/p>\n
MINIMUM EDUCATION<\/p>\n
\tBachelor\u2019s degree in commerce\/ business \/finance\/ or related qualification\u00a0<\/p>\n
MINIMUM EXPERIENCE<\/p>\n
\tMinimum 5+ years\u2019 experience in commercial banking, business development, or related roles, with a focus on franchise financing. Experience in credit applications, credit risk and portfolio assessment in a banking environment.<\/p>\n
CRITICAL COMPETENCIES<\/p>\n
\tStrong understanding of financial analysis, credit risk assessment, and lending principles
\n\tIn-depth knowledge of regulatory requirements and compliance standards relevant to commercial lending and franchising
\n\tAnalytical skills and ability to evaluate complex financial data and making informed decisions
\n\tAbility to build rapport and negotiate effectively with clients and stakeholders
\n\tExcellent communication and interpersonal skills
\n\tAbility to utilize credit analytics to inform credit decisioning
\n\tWorking with terms and deals for credit in a business context
\n\tKnowledge in writing good credit applications pertaining to franchise deals
\n\tCollaborative mindset to work with cross-functional teams and manage multiple priorities effectively
\n\tBusiness and Financial acumen
\n\tDeal structuring
\n\tRisk management
\n\tRelationship management<\/p>\n
KEY PERFORMANCE INPUTS \/ ACTIVITIES<\/p>\n
New business and deal origination<\/p>\n
\tDevelop a strategy and detailed execution plan to attract new business within the assigned catchment area\u00a0
\n\tActively source new franchise opportunities by networking with relevant role players, industry stakeholders, attending franchise events, and leveraging existing relationships with franchise owners and partners
\n\tEnsure a continuous supply of quality leads and active participation in the region\u2019s marketing initiatives. Provide business leads for all other business areas on a regular basis
\n\tStructure deal\/s and drive the application with an assigned Relationship Executive for the area Make recommendations to the applicable business area Obtain Division\/ Credit approval, where applicable Interface with clients, preferably at the clients\u2019 site\u00a0
\n\tCommunicate the decision\/ approval timeously to the client Handle objections to the clients\u2019 satisfaction Introduce and hand overqualified clients to the Relationship Executive or relevant business unit
\n\tAchieve contracted growth target, by compiling action plans to achieve set objectives and targets and monitor performance against plans
\n\tKeep abreast of business trends in the assigned catchment area and on all competitors\u2019 offerings and activities in the market. Understand relevant product features and benefits to address business needs\u00a0
\n\tDrive maximum product utilization through profitable cross selling, refer leads obtained to relevant business areas. Follow up leads referred to other business areas
\n\tManage profitable pricing on new transactions and maintain acceptable credit risk within new business
\n\tMaintain an acceptable risk profile of all new business acquired on all new applications, adhere to the Bank\u2019s credit risk policies, processes and systems<\/p>\n
Financial structuring\u00a0<\/p>\n
\tCollaborate with franchisees to structure financing solutions tailored to their needs, including loans, lines of credit, and other financial products
\n\tAssist in determining the appropriate loan amount, interest rate, repayment terms, and collateral requirements based on the franchisee’s business plan, financial projections, and creditworthiness
\n\tEstablish lines of credit with appropriate limits and terms tailored to the franchisee’s cash flow requirements and borrowing capacity
\n\tAssist in structuring lease financing agreements with favorable terms, including lease durations, payment schedules, and purchase options, to meet the franchisee’s operational needs and financial constraints
\n\tUsing financial modelling techniques, forecast cash flows, assess the financial impact of different financing options, and evaluate the feasibility of franchisee\u2019s investment plans
\n\tOversight and completion of administrative processes
\n\tDraft contracts, franchise disclosure documents, and any other necessary legal agreements to ensure compliance with regulatory requirements and protect the interests of the bank
\n\tComplete deal application\/s and refer to applicable segment for approval of contract terms and conditions of the deal
\n\tConduct comprehensive due diligence by analyzing financial statements, evaluating market potential, assessing regulatory compliance, and identifying operational risks associated with each franchising opportunity
\n\tEnsure compliance with applicable laws, regulations, and internal policies throughout the deal-making process\u00a0
\n\tMaintain databases of potential deals, client contacts, and other relevant information to facilitate deal tracking and reporting\u00a0
\n\tStakeholder engagement and management
\n\tServe as a point of contact for clients, stakeholders, and internal teams involved in deal negotiations
\n\tEffective collaboration with internal teams such as legal, compliance, risk management, and finance throughout the deal structuring process
\n\tAnticipate the needs and expectations and build a sound relationship with clients (client focused and obsessed)\u00a0
\n\tEngage with industry peers to share insights, exchange ideas, and identify potential collaboration opportunities within the franchise sector
\n\tPreparing and presenting business cases, providing regular progress reports, and addressing any concerns or questions raised by senior leadership<\/p>\n
Training and development<\/p>\n
\tTo manage career and personal development
\n\tPartner with management in determining own future and career development\u00a0
\n\tKeep abreast of all relevant training interventions<\/p>\n
Apply via company website ( ) or<\/p>\n
www.linkedin.com<\/p>\n
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