Associate Director, Wholesale Banking

2 months ago

Melbourne, Australia Rabobank Full time

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.

Our culture is focused on growing each other. We strive to create an open, balanced and flexible workplace where people feel that they belong, can be open and honest and are supported.

Rabobank Australia has recently been awarded 18th place in LinkedIn’s Top Companies 2023: The 25 best workplaces to grow your career in Australia. We are extremely proud of this achievement, as it reflects the investment in our people, their growth and development.

**About The Role**

Wholesale in Region Australia and New Zealand (RANZ) comprises Core Lending (CL), Portfolio Management (PM), Value Chain Finance (VCF), Markets and Sustainable Business Development. The primary focus of Wholesale Banking is lending activities for corporate clients in the Food & Agribusiness (F&A) sector which aligns with Rabobank Group’s objective of being a specialist provider outside the Netherlands of financial services to major F&A clients around the world.

The primary role of an Associate Director, Wholesale Banking Portfolio Management (Credit Analyst) is to (a) facilitate and support Wholesale in realising its strategic ambition; (b) participate in deal teams and prepare credit submissions and perform pro-active risk management/monitoring; (c) ensure that activities are based on a robust risk framework and a strong risk culture. This position is in the business and hence part of the 1st line.

**Some of the top key responsibilities include;**
- The Associate Director, Wholesale Banking Portfolio Management (Credit Analyst) is responsible for the analysis and evaluation of credit quality and rating of the counterparty as evidenced by financial analysis and individual research._
- Prepare high quality and concise credit submissions for Wholesale clients with a focus on data quality and integrity
- Assess proposals in compliance with Credit Risk Policies & Standards, Underwriting Criterial and Risk Appetite
- Analyse Business Risk (sustainability, client related integrity risks, management assessment), Financial Risk (credit analysis, historical & forecast financial performance) and Group Structure Risks (identification of legal counterparties and credit bases)
- Determine credit risk parameters, including Probability of Default (Risk Rating) and Loss Given Default ( LGD).
- Provide a recommendation on credit submissions and/or credit profile of a customer with a well-developed, justifiable motivation
- Complete annual credit reviews in a timely manner (overdue reviews maintained within risk tolerance levels).

**To be successful in this role, you will have**:

- Strong prior experience in a banking environment with exposure to Corporate/Institutional clients either as a Credit Analyst, Credit Approval or similar capacity
- Solid Credit, risk and banking knowledge
- Product/market knowledge
- Exceptional Risk management skills
- Relationship management and customer focus

**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**:
**Wellbeing leave**. These 2 extra leave days support greater work/life balance and is just another way we are helping our employees to lead happier, healthier, and more fulfilling lives.

**Education Assistance Program**. Rabobank values the development of its people and has a great Education Assistance Program to assist with professional development.

**Parental Leave** 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)

**Bonus and Additional 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 and an option to purchase another 2 weeks Annual Leave.

**Extra Insurance**. 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, TPD and Income Protection Insurance.

**Rabo Workplace Giving program**. As part of Rabobank's global Corporate Social Responsi

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