Corporate bankingVP, Credit AnalystHybridChicago (US)40 hoursFull timePublished on January 13, 2025

Rabobank Wholesale Banking North America is a premier corporate and investment bank to the food, agribusiness, commodities and renewable energy industries, providing sector expertise, strategic advisory and tailored financial solutions to our clients. We thrive on building long-term relationships with clients and stakeholders in the fastest-growing food and agribusiness region of the world.

Our Shared Future

"Rabobank promotes a culture of professional excellence and impactful collaboration to provide our clients with unmatched service and a positive work environment for our team members. This role is a great opportunity for an experienced, ambitious Credit Analyst to be involved in comparative analysis of clients' and prospects' risk/credit profile."

-MD - Senior Relationship Manager & Agribusiness Team Lead

You and Your Job:

In partnership with Relationship Managers, 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. As a Credit Analyst you will be successful by working in close cooperation with the relationship management team for both new transactions and portfolio monitoring. Transactions typically consists of medium to large size debt financings that include a syndicate of banks. You will also be responsible for the Rabobank Risk Rating, LEA/LGD and RAROC models.

Key Performance Indicators:

• Coordinates credit efforts with applicable Relationship Managers and any relevant product groups.
• Analyzes transactions quickly and effectively under time constraints with finished product having minimal revisions and positive feedback from committees.
• Shares information and knowledge appropriately. Presents effective and clear oral support to credit committee. Exhibits excellent understanding of client and industry risks and mitigants to those risks.
• Demonstrates teamwork in facilitating workflow. Provides willing and active levels of effort to support the team's goals and Banks' needs.
• Assesses risk in assigned portfolio by independently conducting review, analysis and research.
• Provides leadership role ensuring successful conclusion of transactions.
• Maintains up to date knowledge of policies, procedures, and processes relevant to Rabobank credit risk management.
• Effectively represents the bank and maintains a thorough understanding of all relevant banking regulations, bank policies and limits, and bank products.
• Maintains proficiency in Bank's financial models, applications and industry research resources.

Job Responsibilities:

• Understands all aspects of underwriting, approving and closing transactions including ability to analyze risk and structure transactions.
• Produces an independent, objective, high quality assessment of the credit risk and mitigants involved in transactions including preparation of high-quality credit reports.
• Is responsible for the market/business analysis, financial analysis (including sensitivity analysis projections) and structure analysis in the credit report.
• Is responsible for economic capital calculations.
• Maintains strong skills in effectively transferring information orally and in writing (i.e. no surprises).
• Communicates all matters of importance to all internal and external constituents.
• Works effectively and cooperatively with co-workers and other departments in achieving the Bank's goals. Plans and organizes own work, uses time effectively, sets appropriate priorities, anticipates business needs.
• Maintains extensive industry knowledge.
• Responsible for initiating timely review (according to the review calendar).
• Responsible for monthly/quarterly assessing the received company financial information / covenant checks.
• Responsible for 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 when necessary extra measures in order to safeguard the credit portfolio.

Your Promise to Us

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

• Bachelors or Masters degree in finance or associated discipline.
• Minimum 6 years of credit/lending experience.
• Formal credit training at major money center bank a plus.

Commitment to you - cultivating your way beyond pay:

Rabobank embraces diversity and welcomes employees and applicants of all backgrounds. Our goal is to always create an environment that is inclusive, drawing upon the strengths of the diversity of our workforce to exceed the expectations of our clients and customers.

We view your well-being as much more than a paycheck. We continually evaluate and evolve our benefit offerings to be comprehensive, competitive and to give you the options and the flexibility you need. We focus our employee benefits on three 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[1]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.)

Our Organization:

Serving clients in Mexico, the U.S. and Canada, Rabobank Wholesale Banking North America is a premier corporate and investment bank to the food, agribusiness, commodities and renewable energy industries, providing sector expertise, strategic advisory and tailored financial solutions to our clients. We thrive on building long-term relationships with clients and stakeholders in the fastest-growing food and agribusiness region of the world. See, https://www.rabobankwholesalebankingna.com/.

Salary Expectations:

Target Hiring Range: $135,000.00 - $225,000.00

This position is subject to the terms of [RAF/Rabobank/RDS]'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 position includes all other benefits provided to [RAF/Rabobank/RDS] 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.

Rabo 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. Rabo also prohibits harassment of any individuals on any of the bases listed above.

At Rabo Bank, 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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