Associate Director, Wholesale Credit Analyst

3 weeks ago


Sydney, Australia Rabobank Full time

**About us**

Rabobank is the world’s leading specialist in food and agribusiness banking. One of our key strengths lies in our people who have a deep understanding of agriculture and are committed to adding long-term value for clients. Our commitment to our employees and clients is at the heart of everything we do.

**About the role - Secondment**

We are currently seeking an Associate Director, Wholesale Banking Portfolio Management to join our high performing Sydney team initally on a fixed-term contract (with a view to permanent). This is a 1st line credit analyst role who works in conjunction with the relationship management team in the preparation of credit submissions for Rabo Australia’s Wholesale customers.

The objectives of this role are to facilitate and support Wholesale in realising its strategic ambition, participate in deal teams and prepare credit submissions and perform pro-active risk management/monitoring; while also ensuring that activities are based on a robust risk framework and a strong risk culture.

**Some key responsibilities**:

- Preparation of high quality credit submission proposals, Assessment of the proposal and compliance with Credit Risk Policies, Risk Appetite and previous credit approvals (where applicable).
- Analysis of Business Risks including non-financial risks (sustainability, client related integrity risks, Management assessment).
- Analysis of Financial Risks including critical analysis of historical and forecast financial performance with appropriate sensitivities conducted.
- Analysis of Group structure risks.
- Determination of credit risk parameters including the Probability of Default (risk rating) and Loss Given Default,
- Completion of annual credit reviews in a timely manner and ensure special conditions/covenants are recorded and monitored and satisfied in a timely manner (maintained within risk tolerance levels).
- Work with the relationship on strategic initiatives and opportunity identification.

**To be successful you will have**:

- Strong experience in a banking environment with exposure to Corporate/ Institutional clients either as a credit analyst, credit approval or in another relevant capacity
- Finance/accounting degree with a post qualifying degree favourably viewed
- Credit, risk and banking knowledge
- Product/market knowledge
- Strong risk management experience
- Analytical and problem solving
- Relationship management & engagement skills

**Our Values, Vision and Mission**

Rabobank Australia fully embraces inclusion and belonging and delivers positive experiences for our people and clients. Our great working conditions, broad learning and development programmes and the opportunity to work together for the greater good are reasons why our employees love working here. We are committed to our values; we are client focussed, action oriented, purposeful and courageous in our work. We are professional and considerate and bring out the best in each other and are committed to keep learning. We have an open culture, where you can be yourself and be valued for who you are.

**What we're proud to offer you**:

- As part of our wellbeing offering we also have Wellbeing Leave. These extra leave days can be used in a way that helps achieve greater work/life balance. It’s just another way we are helping our employees to lead happier, healthier and more fulfilling lives.
- Rabobank values the development of its people and has a great Education Assistance Program to assist with professional development.
- An inclusive Parental Leave policy that supports you and your family while giving you the freedom and flexibility to enjoy this special time (Primary carer up-to 14 weeks paid leave)
- We realise sometimes 4 weeks Annual Leave isn't enough At Rabobank we provide an incentive for eligible employees to receive 1 extra week Annual Leave. With an option to also purchase another 2 weeks Annual Leave.
- Rabobank recognises that employees need to protect their financial wellbeing, in the event of serious illness, injury, or even death. Rabobank provides eligible permanent employees with employer-funded Death, Temporary & Permanent Disability (TPD) and Income Protection Insurance.
- As part of Rabobank's global Corporate Social Responsibility, Workplace Giving aims to encourage employees to contribute to our community. Rabo Workplace Giving program matches employee donations to selected Social Partners.

**_ Rabobank is committed to a culture where diversity and inclusion is valued, respected and encouraged. We welcome applicants from diverse cultures, faith and sexual orientation._**

**_ Rabobank is not accepting submissions from recruitment agencies for this role._**

**_ Only Australian citizens or permanent residents will be considered._



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