VP, Credit Analyst

Adelaide, South Australia, Australia
Competitive Salary
Apr 16, 2021
Jun 05, 2021
Job Role
Credit Control
Contract Type
Full Time
Our Organization:

Rabobank Wholesale Banking North America is part of Rabobank, a global financial services leader providing wholesale, rural and retail banking services in more than 40 countries worldwide. Founded by Dutch farmers over a century ago, Rabobank remains true to our core mission: to create value for our customers, our employees, and the local communities where we do business. Rabobank today is one of the world's largest banks with over $650 billion in assets. In North America, Rabobank is a premier financial institution providing services across the food and agriculture value chain. RDS's support functions champion over 1,300 employees throughout Rabo AgriFinance and Rabobank North America Wholesale, companion Rabobank subsidiaries.

Job Overview/Purpose:

The Credit Analyst is jointly responsible, with the Relationship Manager, for the preparation of the credit application in the required template, including structuring, client business and financial analysis, industry research, financial modelling and ongoing maintenance of new and existing clients within his/her portfolio. The analyst must also follow market and price trends to proactively manage client risk during periods of medium to high volatility.

Context of Job:

Analyst will be assigned in excess of 15 clients active in the Agribusiness, Energy and Metals sectors. The analyst will be required to complete the annual or interim reviews in accordance with the bank's policies.
  • The analyst works in close cooperation with the Relationship Managers in New York, the TCF credit team members, SRO, and other offices as may be required (CAM accounts).
  • The facilities are typically secured with advances governed by a borrowing base, though TTF facilities as well as corporate type loan structuring is likely. As some of the transactions may be with counterparties that are below investment grade, the structure of the facilities is very important and understanding the composition of the collateral and supporting business flows is important to properly protect the bank.
  • Transactions typically consist of large to medium size debt financings that are either uncommitted or committed with a syndicate of banks or on a bilateral basis.
  • The analyst will ensure that the relevant credit and business/industry risks are identified and clearly explained within the credit applications.
  • The analyst needs to become familiar with the Rabobank Risk Rating, LEA/LGD and RAROC models to ensure the correct client profile is being used in the models and that the outcome is meaningful and correct.

  • Job Requirements:

    To monitor the credit quality of a portfolio of 15+ clients. These clients may be traders, processors and merchandisers of various commodities operating within the framework of TCF business.

    Key Responsibilities and Accountabilities:
  • Analyze credit risk, structure credit products, financial modelling/ BIS11 Economic Capital assessments via internal models for prospects/new transactions. Cash flow analysis and projections proficiency a plus.
  • Manage ongoing credit needs of existing relationships.
  • Respond to SRO or credit committee questions related to credit applications.
  • Research and evaluate specific target industries.
  • Assist with training of staff
  • Initiate timely reviews
  • Monthly/ quarterly assessment of received information & covenant checks.
  • Monitoring assigned portfolio of clients; in depth client knowledge is essential for adequately identifying early warning signals with the aim of minimizing loan losses.
  • Initiating where necessary extra measures in order to safeguard the credit portfolio.

  • Job Specifications / Core Competencies:
  • Makes sound business recommendations
  • Shares information and knowledge appropriately.
  • Is fully effective in communicating with others.
  • Writes clear, logical, concise credit applications, memos and correspondence
  • Presents effective and clear oral support to Team
  • Communicates excellent understanding of client, industry risks and mitigants
  • Independently seeks additional information/explanation for clarification
  • High level of cooperation with others and is responsive to the Bank's and team's needs
  • Team player
  • Proactively manages client portfolio

  • Essential Job Skills and Knowledge:
  • High degree of credit knowledge and experience
  • Analyst must achieve strong credibility internally with Risk and Front Office
  • Reliably organizes work, works effectively and efficiently, prioritizes work and anticipates business needs
  • Proactive and politely assertive when dealing with credit risk issues.
  • Can multi task; handle multiple credits/projects simultaneously
  • Needs to be familiar with: borrowing base facilities, UCC, trade finance, letters of credit, uncommitted/committed facilities
  • Willing to travel

  • Qualifications (Essential):

    At least 1-4 years of credit analysis experience. Experience in writing credit proposals and industry reports.

    Experience with Trade and Commodity financing

    Bachelor or Master's degree

    Formal credit training at a major bank a plus

    We Offer:

    With healthcare and insurance costs on the rise, employees enjoy a first-class benefits package, featuring a selection of medical coverage and investment options to meet your personal needs. Our benefits program includes:
  • Medical
  • Dental
  • Vision
  • Health care spending account
  • Dependent care spending account
  • Basic life insurance plus AD&D insurance
  • Optional life insurance
  • Short-term disability
  • Long-term disability
  • 401(k) program
  • Health and wellness seminars
  • Tuition reimbursement

  • Equal Employment Opportunity

    Rabobank, Rabo AgriFinance, and Rabo Diversified Services ("Rabo") all provide equal employment opportunities for all prospective and current employees.

    Rabo does not discriminate on the basis of race, color, national origin, religion, alienage or citizenship status, age, sex, sexual orientation, gender identity or expression, marital status, genetic information, physical or mental disability, pregnancy, military service or veteran status, or any other basis protected by applicable law. Consistent with this policy, Rabo recruits, hires, trains, and promotes persons in all job titles and ensure that all personnel actions are based on merit, qualifications, and abilities, without regard to the protected factors listed above. This policy governs all aspects of employment, including application, hiring, compensation, promotion, discipline, termination of employment, and access to benefits and training.