Credit Analyst Associate

Job Title Credit Analyst Associate

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 preferred3+ 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…