FinanceVP - Senior Financial Restructuring Analyst IHybridChesterfield (US)40 hoursFull timePublished on October 21, 2024

Do you have a passion for Agriculture and a desire to make a difference in the world? Do you want to work for an organization that cares for its people and encourages you to be your best? Then consider joining the team at Rabobank, where we work collaboratively as a team for our clients as they focus on feeding the world, all while allowing you the flexibility to live a life you enjoy..

Our Shared Future

This role provides a great opportunity to develop my career. It allows me to work with a talented and driven team.
- Financial Restructuring Team, Rabo AgriFinance

You and Your Job:

As a Senior Financial Restructuring Analyst I you will be successful by providing reliable and applicable insights into the potential risk of the client relationship and proper basis for structuring credit products for the specific conditions.

The Senior Financial Restructuring Analyst I reports to the Financial Analyst Manager and is responsible for complete underwriting of Loan Strategy Reports ("LSR") for clients assigned to the Loan Financial Restructuring ("LFR") area. Underwriting will consist of new requests and servicing actions, such as renewals, annual reviews, partial releases, and covenant monitoring for LFR relationship exposure within an assigned area, sector, or market segment. Additionally, expertise in using the Loan Quality Assessment ("LQA") system and process, recommending the appropriate Loan Quality Classification ("LQC") and proposing impairment provision amounts at the client/relationship level are required responsibilities. Any additional LFR analysis may be assigned at the FAM's discretion. The SFRA-I typically deal s with larger and more complex LFR loans.

Job Responsibilities:

• Analyze and assess the (potential) client's credit and operational risk using multiple sources of information (e.g., customer's credit and operating risks, current and historical financial statements, cash flows, tax returns, and financial trend analyses).
• Accompany the Financial Restructuring Manager ("FRM") (when requested) on client farm visits/evaluations.
• Contribute to a full understanding of the client's business.
• Recommend LQCs and impairment provisions. Recommend the structure of credit products based on RAF's policies through thorough analysis.
• Work primarily on rehabilitation clients assigned to LFR in the Substandard and Doubtful LQC categories.
• Assist the FRM in all aspects of managing their portfolio.
• Work effectively within the Customer Team (e.g., FRM, Credit Officer, Relationship Manager, and Customer Relationship Specialist) to meet client expectations.
• Servicing Execute various (financial/administrative) servicing activities (e.g., partial release, modifications, assumptions).

Your Promise to Us:

To be considered for the Senior Financial Restructuring Analyst I role, you must have:

• Bachelor's Degree and minimum 5 years of relevant experience.
• Skilled in financial spreading.
• Skilled in written and oral communications.
• Skilled in forecasting and stress testing.
• Skilled in risk analysis and interpretation.
• Skilled in time management.
• Ability to make good judgement

Our 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 expectation so four 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 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:

As a financial services provider for leading U.S. farmers and ranchers, Rabo AgriFinance adds value through industry expertise, client-focused solutions, and long-term business relationships. Rabo AgriFinance offers a comprehensive portfolio of services to prepare producers to take advantage of market opportunities and mitigate risk. Our suite of services includes loans, lines of credit, insurance, input financing, equipment leasing and risk management products. Rabo AgriFinance is a subsidiary of Rabobank, one of the world's largest and most secure banks, and the premier lender in the food and global agriculture industry. See, https://www.raboag.com/.

Salary Expectations:

Target Hiring Range: $69,000.00 - $105,000.00

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 positions include 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 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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