Credit Analyst - Rabobank - New York, NY
Rabobank Group is a global financial services leader providing wholesale and retail banking, leasing, real estate, and renewable energy project financing. Founded over a century ago, Rabobank is one of the largest and safest banks in the world, with nearly $1 trillion in assets and operations in more than 40 countries, and ranks among the highest rated private banks by Standard & Poor’s and Moody’s. Rabobank is a premier bank to the international food and agriculture industry, as well as a leading financier of solar, wind, bioenergy, and energy infrastructure projects.
In the Americas, Rabobank is present in the United States, Argentina, Brazil, Canada, Chile, Mexico, and Paraguay, providing both retail and wholesale banking services as well as real estate and leasing services. The bank’s wholesale banking products focus on these banking areas:
Lending and Credit
Trade and Commodity Finance
Acquisition Finance
Renewable Energy and Infrastructure Finance
Global Client Solutions
Mergers & Acquisitions Advisory
Food & Agribusiness Research and Advisory
Capital Markets
Your Function:
Job Overview/Purpose:
The Credit Analyst is jointly responsible, with the Acquisition Finance Transaction Manager, for all aspects of the credit product including structuring, analysis, industry research, financial modelling and ongoing maintenance of new and existing Acquisition Finance transactions.
Context of Job:
The Credit Analyst works in close cooperation with the Acquisition Finance Team in New York for both new transactions and portfolio monitoring.
The transactions are complex and highly structured. As the transactions are mostly below investment grade, the risk profile is generally high.
Transactions typically consist of medium to large size debt financings that are structured with a syndicate of banks. The financial sponsors are professional parties who have extensive dealings with banks and institutional investors.
The Credit Analyst is also responsible for the Rabobank Risk Rating, LEA/LGD and RAROC models.
Job Requirements
Key Responsibilities and Accountabilities:
Understands all aspects of underwriting, approving and closing leveraged finance 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 of leveraged finance markets.
Review and portfolio monitoring
Responsible for initiating timely reviews (according to the review calendar)
Responsible for monthly/ quarterly assessing the received company 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 where necessary extra measures in order to safeguard the credit portfolio.
Key Relationships:
Borrowers
External Banks
Legal Counsel – Internal & External
NY Acquisition Finance Transaction Managers
NY Risk Manager Corporate Finance, NYCC and KRM
Loan Syndications
Derivatives (CRTM)
Operations Support Staff
FAR Research Group
Your Profile:
Key Performance Indicators:
Coordinates credit efforts with applicable Transaction Manager 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 Bank’s 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 RI credit risk management.
Effectively represents the bank and maintains client relationships through client calls and visits.
Maintains proficiency in Bank’s financial models, applications and industry research resources.
Core Competencies:
Analytics
Problem-Solving/Decision Making
Time Management/Multi-Tasking
Communication
Internal Relations/Teamwork
Essential Job Skills and Knowledge:
Credit training/lending experience.
Leveraged finance experience.
Strong analytical and decision making skills.
Excellent written and oral presentation skills.
Proficient in financial modelling, loan structuring and documentation.
Strong knowledge of banking laws and regulations.
Development Value:
The Acquisition Finance Credit Analyst is a high profile role that will enable the successful candidate to further develop credit analysis skills, as well as leveraged finance deal structuring and market knowledge.
Future career development opportunities include other Credit Risk Management areas and as an Acquisition Finance Transaction Manager.
Qualifications:
Essential:
Bachelor or Master’s degree
At least 3-7 years of credit lending/experience
Experience with leveraged finance transactions
Formal credit training at a major bank
We Offer:
Rabobank New York Branch offers a comprehensive benefits program that is among the finest in the industry featuring:
Medical/Dental/Vision Plans
Defined Contribution (401k) Plan with Employer Match
Paid Vacation based on position and length of service
Life and Disability Insurance
Health and Dependent Care Flexible Spending Plans
Transportation Reimbursement Incentive Plan
Educational Assistance Program
Also offering:
Portable Voluntary Benefits including Pet Insurance
Automobile and Homeowner’s Insurance
Cancer Protection Plan
Legal Insurance Plan
Optional Life and Disability Insurance
Interested?
Candidates who are interested in this role are encouraged to apply directly online including their resume and related documents. If you have any questions, you can Email Ryan.Haberthur@Rabobank.com .
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