Associate Director Wholesale Banking Credit Analyst
Job Title
Credit Analyst WholesaleJob Description
At Rabobank, our commitment to our employees and clients is at the heart of everything we do.
As the world’s leading specialist in food and agribusiness banking, one of our key strengths lies in our people who have a deep understanding of agriculture and are committed to adding long-term value for clients.
Our culture is unique, because every day our people work knowing that we are all playing our part in supporting our farmers to feed the world. We strive to create an open, balanced, and flexible workplace where people feel that they belong, can be open and honest and are supported…we are focused on growing each other.
About the role:
The Credit Analyst is responsible for the analysis and evaluation of credit quality and rating of the counterparty as evidenced by financial analysis and individual research. The Credit Analyst works closely together with the responsible Relationship Manager who is ultimately responsible for the credit application. The roles of the Relationship Manager and Credit Analyst are as such closely linked but at the same time separate and independent.
The roles and responsibilities for the construction of a credit application is detailed within the Global Credit Standard which may vary from time to time but include:
- Identification of legal counterparties and credit bases.
- Assessment of proposal in compliance with Credit Risk Policies, Risk Appetite and previous credit approvals (where applicable).
- Analysis of Business Risks including non-financial risks (sustainability, client related integrity risks, Management assessment).
- Analysis of Financial Risks including critical analysis of historical and forecast financial performance with appropriate sensitivities conducted. Accurate population of Moody’s Risk Analyst (MRA).
- Analysis of Group structure risks.
- Determination of credit risk parameters including:
Loan Quality Classification and Impairment Triggers
Probability of Default (Risk Rating)
Loss Given Default and Exposure at Default
Client Profitability Assessment – Risk Adjusted Return on Capital (RAROC).
Preparation of high quality and concise credit submissions with particular focus on data quality and integrity. - Provide an opinion on credit submissions and/or credit profile of a customer.
- Completion of annual credit reviews in a timely manner (overdue reviews maintained within risk tolerance levels).
- Ensure special conditions/covenants are recorded and monitored and satisfied in a timely manner (overdue conditions/covenants maintained within risk tolerance levels)
- Ensure Credit Protection Register is updated regularly and reflects accurate collateral position (data quality).
What we are looking for
- Strong experience in a banking environment with exposure to Corporate/ Institutional clients either as a credit analyst, credit approval or in another relevant capacity.
- Credit and banking knowledge.
- Product/market knowledge
- Substantiating (strategic and operational) choices based on sound problem analysis. Collecting relevant information, analysing data and correlating. Drawing correct and realistic conclusions.
- Contributing to a joint result based on the philosophy of reciprocal value creation. Seeking collaboration and supporting others. Showing commitment to the joint objective and acting accordingly. Sharing information and knowledge with others. Achieving and connecting synergies.
Whatwe'reproud to offer you:
Wellbeing leave. These leave days support greater work/life balance and is just another way we are helping our employees to lead happier, healthier, and more fulfilling lives.
Education Assistance Program. Rabobank values the development of its people and has a great Education Assistance Program toassistwith professional development.
Parental Leavethat supports you and your family while giving you the freedom and flexibility to enjoy this special time (up-to 14 weeks paid leave)
Bonusand AdditionalLeave. We realise sometimes 4 weeks Annual Leaveisn'tenough! At Rabobank we provide an incentive for eligible employees to receive 1 extra week Annual Leave andan optiontopurchaseanother 2 weeks Annual Leave.
Extra Insurance. Rabobank recognises that employees need to protect their financial wellbeing,in the event ofserious illness, injury, or even death. Rabobank provides eligible permanent employees with employer-funded Death, TPD and Income Protection Insurance.
Rabo Workplace Giving program. As part of Rabobank's global Corporate Social Responsibility, Workplace Giving aims to encourage employees to contribute to our community. Rabo Workplace Giving program matches employee donations to selected Social Partners.
Our Values:
Rabobank Australia values inclusion, belonging, and positive experiences for all. Our work environment, our benefits, and the way we live our values, "Client Driven","Responsible","Professional" and "Cooperative" make ita great placeto work. We welcome applicants from diverse backgrounds.
Please let our Talent Acquisition team know if you need any accommodations to make our opportunities more accessible to you.
Rabobank is not accepting submissions from recruitmentagenciesfor this role.
Applicants must hold valid work rights for this role.
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Credit Analyst Wholesale in Melbourne employer: Rabobank
Rabobank is an exceptional employer, offering a dynamic work environment in Sydney that fosters resilience and innovation within the food and agribusiness banking sector. With a strong commitment to employee wellbeing, including hybrid working options, generous parental leave, and an Education Assistance Program, Rabobank prioritises personal and professional growth while promoting a culture of inclusion and collaboration. Join us to make a meaningful impact as a Resilience Manager, where your expertise will help shape our operational resilience capabilities and contribute to the long-term success of our clients and communities.
