Credit Analyst Associate

Job Title

Job Description

We’re looking for self-starters who want to elevate their banking experience and become part of a growing team with expertise in the Consumer industry. You will be challenged to take initiative and find new ways to contribute, but will also be rewarded with responsibilities and empowered to develop your skillset in realizing career ambitions.

Our Shared Future:

“This Credit Analyst role provides a great opportunity to further hone your credit analysis skillset (financial modeling, historical analysis, structuring, risk mitigation, industry specialization etc.) while taking on your own portfolio of large accounts in the Consumer industry. Not only does it provide you with exposure to various product groups (core lending, working capital solutions, leveraged lending, sales & trading etc.), but also the ability to develop close working relationships with our clients.” - Credit Analyst

You and Your Job

As a Credit Analyst you will be successful by leveraging your credit skills and experience to take a credible and balanced view on the risks associated with our client relationships - and find ways to gain support within the organization for your position

In partnership with the Relationship Manager, the Credit Analyst is responsible for all aspects of the credit product including underwriting, structuring, analysis, documentation, negotiation, industry research, financial modeling and ongoing maintenance of new and existing customers. In addition the Credit Analyst will be involved in comparative analysis of clients/prospects in order to analyze the competitive landscape in the industry.

Job Responsibilities

• Work in close cooperation with the relationship management team for both new transactions and portfolio monitoring.
• Responsible for the Rabobank Risk Rating, LEA/LGD and RAROC models.
• Understand all aspects of underwriting, approving and closing transactions including ability to analyze risk and structure transactions.
• Produce an independent, objective, high quality assessment of the credit risk and mitigants involved in transactions including preparation of high quality credit reports.
• Responsible for the market/business analysis, financial analysis (including sensitivity analysis projections) and structure analysis in the credit report.
• Responsible for economic capital calculations.
• Maintain strong skills in effectively transferring information orally and in writing (i.e. no surprises).
• Communicate all matters of importance to all internal and external constituents.
• Work effectively and cooperatively with co-workers and other departments in achieving the Bank’s goals. Plans and organizes own work, uses time effectively to meet deadlines, sets appropriate priorities, anticipates business needs.
• Maintain extensive industry knowledge.
• Initiate timely review (according to the review calendar).
• Assess monthly/quarterly company financial information / covenant checks.
• Monitor assigned portfolio of clients; in depth client knowledge is essential for adequately identifying early warning signals with the aim of minimizing loan losses.
• Initiate when necessary extra measures in order to safeguard the credit portfolio.

Your Promise to Us:

To be considered for the Credit Analyst role, you must have:

• Bachelor’s degree in finance or associated discipline, Master’s preferred
• 3+ years of credit/lending experience.
• Formal credit training at major money center bank, preferred
• Ability to travel regionally up to 15%
• Legally authorized to work in the United States on a full-time basis. Rabobank is unable to sponsor or take over sponsorship of an employment visa for this position.

Our Commitment to you - cultivating your way beyond pay:

Rabobank welcomes employees and applicants from all backgrounds and is committed to fostering an inclusive environment that leverages the diverse strengths of our workforce. This enables us to exceed the expectations of our clients and customers while ensuring a healthy and safe environment for our staff.

We believe your well-being extends far beyond just a paycheck and should encompass your health, happiness, and satisfaction. To meet these needs, Rabobank offers a flexible hybrid working model and continually evaluates and enhances our benefit offerings to ensure they are comprehensive, competitive, and provide you with the options and flexibility you need.

Our employee benefits are focused on four main components:

• Physical Well-Being includes our commitment to your Health and Wellness. Medical, Dental and Vision plan coverages are effective on your date of hire. Rabo offers multiple plan options and a full network of providers to best meet your needs.

• Financial Well-Being provides for your Retirement + Savings + Security. We love seeing your retirement plan balance grow just as much as you do! That’s why you can start participating in the 401(k) plan on your date of hire. Plus we match 50% of the first 6% you contribute to your 401(k) plan for US Employees. Rabo also contributes an additional 3% of your eligible pay in Safe Harbor contribution and up to 3% in annual Discretionary Profit Sharing contributions.

• Emotional Well-Being ensures your Work + Life balance. We offer a generous paid time off program to full time employees: up to 20 days of vacation time, 5 days of additional time off plus 7 sick days and 11 US holidays annually (based on hire date during the calendar year). In addition, Growing a Better World Together requires wanting the best for our employees and their families and our communities. To do that, we offer both the time and financial support to give back to the community through our Dollars for Doers, Helping Hands and Gift Matching programs. (All paid time off is subject to company accrual and carryover policies.)
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• Workforce Well-Being supports a hybrid working model that offers the flexibility to split your time between home and the office-typically 2 days remote and the remaining days onsite-promoting both productivity and personal well-being.

Our Organization:

Rabobank Group is a global financial services leader providing wholesale and retail banking, leasing, and real estate services in more than 37 countries worldwide. Founded over a century ago, Rabobank today is one of the world’s largest banks with over $678 billion in assets.

In North America, Rabobank is a premier corporate and investment bank to the food, agribusiness, commodities and energy industries in the United States, Mexico, and Canada. Rabo AgriFinance, a subsidiary of Rabobank, is a leading financial services provider for farmers, ranchers and agribusinesses in the United States and Canada. Together, we provide sector expertise, strategic counsel and tailored financial solutions to clients across the entire value chain. Visit www.RabobankNA.com

Salary Expectations:

Target Hiring Range: $110,000.00 - 140,000.00 USD

This position is subject to the terms of Rabobank’s compensation plans and policies. It is anticipated that the position will pay within the target hiring range. The range is reflective of the desired primary physical work location and may be adjusted outside of the projected range based on geographical differentiation if the actual work location of the hired candidate differs from the desired primary location, or for other lawful reasons. Further, all full-time regular positions include all other benefits provided to Rabobank employees, including healthcare benefits, 401k matching, vacation, sick leave, parental leave, possible discretionary bonuses and all other benefits that are all governed by and subject to ERISA plan documents and eligibility.

Rabobank provides equal opportunity in employment to all employees and applicants and does not discriminate on the basis of race, color, creed, religion, national origin, ancestry, alienage or citizenship status, age, sex, sexual orientation, gender identity gender expression, marital status, genetic information, medical condition, physical or mental disability, pregnancy, childbirth or related medical condition, military service or veteran status, victims of domestic violence, or any other basis protected by applicable law. Rabobank also prohibits harassment of any individuals on any of the bases listed above.

At Rabobank, we strive to grow a better world together. In order to achieve that, we have to have the right people in the right jobs. Are you ready to join our team?

This job posting has no fixed application deadline. We will accept resumes until a qualified applicant pool is identified.

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