Senior Wholesale Banking Analyst

at  Rabobank

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 purpose is clear: we enable our clients to feed the world sustainably. Our commitment to our employees and customers is at the heart of everything we do.

ABOUT THE ROLE

We are currently seeking an Associate Director, Wholesale Banking Portfolio Management to join our high performing Auckland team on a full-time, permanent basis. 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 New Zealand 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.

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 and management assessment).
• Analysis of Financial Risks including critical analysis of historical and forecast financial performance with appropriate sensitivities conducted.
• 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).
  Establish strong working relationships with all stakeholders including attending customer meetings where appropriate. In conjunction with the relationship managers identify customer opportunities and work on strategic initiatives