Senior Credit Analyst - Rabobank - New York, NY

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 Senior Credit Analyst is jointly responsible, with the Relationship Manager, for the preparation of the credit application in the required template, including structuring, client business and financial analysis, industry research, financial modelling and ongoing maintenance of new and existing clients within his/her portfolio. The analyst must also follow market and price trends to proactively manage client risk during periods of medium to high volatility.

Context of Job:
Analyst will be assigned in excess of 15 clients active in the Agribusiness, Energy and Metals sectors. The analyst will be required to complete the annual or interim reviews in accordance wth the bank’s policies.

• The analyst works in close cooperation with the Relationship Managers in New York, the TCF credit team members, SCO and SCA.


• The facilities are typically secured with advances governed by a borrowing base. As some of the transactions may be with counterparties that are below investment grade, the structure of the facilities is very important and understanding the composition of the collateral and supporting business flows is important to properly protect the bank.


• Transactions typically consist of large to medium size debt financings that are either uncommitted or committed with a syndicate of banks or on a bilateral basis.


• The analyst will ensure that the relevant credit and business/industry risks are identified and clearly explained within the credit applications.


• The analyst needs to become familiar with the Rabobank Risk Rating, LEA/LGD and RAROC models to ensure the correct client profile is being used in the models and that the outcome is meaningful and correct.

Job Requirements

To monitor the credit quality of a portfolio of 15+ clients. These clients may be traders, processors and merchandisers of various commodities operating within the framework of TCF business.

Key Responsibilities and Accountabilities:

• Analyze credit risk, structure credit products, financial modelling/ BIS11 Economic Capital assessments via internal models for prospects/new transactions.


• Manage ongoing credit needs of existing relationships.


• Respond to SCO, SCA or credit committee questions related to credit applications.


• Research and evaluate specific target industries.


• Assist with training of staff


• Initiate timely reviews


• Monthly/ quarterly assessment of received information & covenant checks.


• 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:

• SCO, SCA, NYCC, KRM


• Borrowers/Clients


• Relationship Managers


• Global TCF


• Legal Counsel – Internal & External


• Compliance


• Middle Office (CSG)


• Collateral Inspection Department (CID)


• Global Financial Markets


• Operations Support Staff (Back Office)


• FAR Research Group


• Other lenders


• Trade Groups

Key Performance Indicators:

• Quality of Credit Analysis


• Feed back from key relationships


• Quality Reports from KRM


• Maintains strong communication skills


• Communicates negative changes to client’s credit profile promptly to SCO, SCA and RMs


• Maintains and expands industry knowledge of various commodity markets; agri, energy, metals Your Profile:

Core Competencies:

• Makes sound business recommendations


• Shares information and knowledge appropriately.


• Is fully effective in communicating with others.


• Writes clear, logical, concise credit applications, memos and correspondence


• Presents effective and clear oral support to SCO


• Communicates excellent understanding of client, industry risks and mitigants


• Independently seeks additional information/explanation for clarification


• High level of cooperation with others and is responsive to the Bank’s and team’s needs


• Provides willing and active levels of effort to support the team’s and Bank’s


• Proactively manages client porfolio Essential Job Skills and Knowledge:


• High degree of credit knowledge and experience


• Analyst must achieve strong credibility internally with SCO, SCA and RMs


• Reliably organizes work, works effectively and efficiently, prioritizes work and anticipates business needs


• Proactive and politely assertive when dealing with credit risk issues.


• Can multi task; handle multiple credits/projects simultaneously


• Needs to be familiar with: borrowing base facilities, UCC, trade finance, letters of credit, uncommitted/committed facilities


• Willing to travel

Development Value:
A senior financial analyst can find opportunities in relationship management, product or operations management, as well as have opportunity for upward mobility within the TCF Credit team

Qualifications:
Bachelor or Master’s degree

Formal credit training at a major bank

At least 7+ years of credit analysis experience. Experience in writing credit proposals and industry reports.

Experience with Trade and Commodity financing 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?

Qualified 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.