Senior Financial Analyst - Rabobank - San Francisco, CA

Our Organization

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 Senior Financial Analyst (“SFA”) is jointly responsible, with the LPG team / SRB, for all aspects of the credit product including structuring, analysis, industry research, financial modelling and ongoing maintenance of new and existing WCI transactions.

Context of Job:
The SFA works in close cooperation with the LPG team in San Francisco for both new transactions and portfolio monitoring.

The complexity of the transactions varies from standard corporate banking transactions to more structured transactions. Overall the risk profile of the San Francisco Office is medium.

Transactions typically consist of large size debt financings that are structured with a syndicate of banks.

The SFA is also responsible for the Rabobank Risk Rating, LEA/LGD and RAROC models.

Authorisation/Sign-Off Levels:
To be completed where the Job Holder has responsibility for the following areas:

To approve to electronic term sheet.

Will be responsible for signing all appropriate client loan documents as needed in support of the Relationship Managers.

As a signing officer of the San Francisco Branch, to sign documents as needed.

Key Responsibilities and Accountabilities:
Understands all aspects of underwriting, approving and closing 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 BISII 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 the U.S. 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

LPG RMs / Office Manager

NYCC and KRM

Debt Products Group

Financial Markets

Operations Support Staff

FAR Research Group

Your Profile:
Key Performance Indicators:
Coordinates credit efforts with applicable Relationship 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, industry research resources and BIS II methodology.

Core Competencies:
Analytics

Problem-Solving/Decision Making

Time Management/Multi-Tasking

Communication

Internal Relations/Teamwork

Essential Job Skills and Knowledge:
Credit training/lending 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 Senior Financial Analyst is a high profile role that will enable the successful candidate to further develop credit analysis skills, as well as deal structuring and market knowledge.

Future career development opportunities include other Credit Risk Management areas and as a LPG Relationship Manager.

Essential:
Bachelor or Master’s degree

At least 5-10 years of credit lending/experience

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 .