Associate Director

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

Rabobank's Wholesale Banking division is a core part of our business in Australia & New Zealand, with a strong focus on serving large & complex corporate clients in the food, beverage, & agribusiness sectors. While the food & agribusiness value chain remain our foundation, we are also expanding our portfolio to include companies operating in the Energy Transition space.

**About the role**:
We are currently seeking an Associate Director - Wholesale Banking Analyst to join our high performing Sydney team. This is a 1st line credit analyst role, working closely with our Relationship Management team to prepare credit submissions for Rabobank Australia's Wholesale customers.

The objectives of this role are to support Wholesale in realising its strategic ambitions by actively participating in deal teams, preparing credit submissions, & performing pro-active risk management/monitoring. The role ensures that all activities are based on a robust risk framework & strong risk culture.

**Top Role Accountabilities**:

- Preparation of high-quality credit submission proposals. Assessment of the proposal & compliance with Credit Risk Policies, Risk Appetite & previous credit approvals (where applicable).
- Analysis of Business Risks including non-financial risks (sustainability & management assessment).
- Analysis of Financial Risks including critical analysis of historical & forecast financial performance with appropriate sensitivities conducted.
- Determination of credit risk parameters including the Probability of Default (risk rating) & Loss Given Default.
- Completion of annual credit reviews in a timely manner & ensure special conditions/covenants are recorded & monitored & satisfied in a timely manner (maintained within risk tolerance levels).
- Establish strong working relationships with all stakeholders including attending customer meetings where appropriate.
- In conjunction with the relationship manager identify opportunities (including prospect names).

**To be successful you will have**:

- 5 - 7 years' experience in a banking environment with exposure to Corporate/ Institutional clients either as a credit analyst, credit approval or another similar role.
- Credit, risk & banking knowledge.
- Product/market knowledge.
- Strong risk management experience.
- Analytical & problem-solving skills.
- Relationship management & engagement skills.

**Our Values**:
Rabobank Australia values inclusion, belonging, & positive experiences for all. Our work environment, our benefits, & the way we live our values, "Client Driven", "Responsible", "Professional" & "Cooperative" make it a great place to work. We welcome applicants from diverse backgrounds.

Please let our Talent Acquisition team know if you need any accommodations to make our opportunities more accessible to you.

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

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

**Bonus & 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 & 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 & Income Protection Insurance.

**Rabo Workplace Giving program**. 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.

**Other Extras.** Annual equipment or wardrobe allowance, annual flu shorts, discounted health insurance, EAP & more.