Associate Credit Analyst

Job Title Associate Credit Analyst Job Description In collaboration with the Relationship Manager, the Credit Analyst plays a vital role in overseeing various aspects of the credit product. This includes tasks such as underwriting, structuring, analysis, documentation, negotiation, industry research, financial modelling, and the continuous upkeep of both new and existing customers. Our Shared Future: "I am excited to be working on the various sector team accounts and increasing my proficiency in the corporate credit process." – Credit Analyst You and Your Job As a Credit Analyst II, you will be successful having strong credit analysis and writing skills. Understands all aspects of underwriting, approving and closing 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 Maintains strong skills in effectively transferring information orally and in writing Job Responsibilities Maintains extensive industry knowledge. Responsible for initiating timely review (according to the review calendar). Responsible for monthly/quarterly assessing the received company financial 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 when necessary extra measures in order to safeguard the credit portfolio Your Promise to Us: To be considered for the Associate, Credit Analyst role, you must have: Bachelor’s degree, master’s degree preferred 3+ years of relevant experience, corporate credit experience preferred Credit training at a major bank, preferred Financial licenses preferred Ability to travel regionally, up to 35% Legally authorized to work in the United States on a full-time basis. Rabobank is unable to sponsor or take over sponsorship of an employment visa for this position. Our Commitment to you – cultivating your way beyond pay: Rabobank embraces diversity and welcomes employees and applicants of all backgrounds. Our goal is to always create an environment that is inclusive, drawing upon the strengths of the diversity of our workforce to exceed the expectations of our clients and customers. We view your well-being as much more than a paycheck. We continually evaluate and evolve our benefit offerings to be comprehensive, competitive and to give you the options and the flexibility you need. Our employee benefits are focused on four main components: Physical Well-Being includes our commitment to your Health and Wellness. Medical, Dental and Vision plan coverages are effective on your date of hire. Rabo offers multiple plan options and a full network of providers to best meet your needs. Financial Well-Being provides for your Retirement + Savings + Security. We love seeing your retirement plan balance grow just as much as you do! That’s why you can start participating in the 401(k) plan on your date of hire. Plus we match 50% of the first 6% you contribute to your 401(k) plan for US Employees. Rabo also contributes an additional 3% of your eligible pay in Safe Harbor contribution and up to 3% in annual Discretionary Profit Sharing contributions. Emotional Well-Being ensures your Work + Life balance. We offer a generous paid time off program to full time employees: up to 20 days of vacation time, 5 days of additional time off plus 7 sick days and 11 US holidays annually (based on hire date during the calendar year). In addition, Growing a Better World Together requires wanting the best for our employees and their families and our communities. To do that, we offer both the time and financial support to give back to the community through our Dollars for Doers, Helping Hands and Gift Matching programs. (All paid time off is subject to company accrual and carryover policies.) Workforce Well-Being supports a hybrid working model that offers the flexibility to split your time between home and the office— typically 2 days remote and the remaining days onsite —promoting both productivity and personal well-being. Our Organization: Serving clients in Mexico, the U.S. and Canada, Rabobank Wholesale Banking North America is a premier corporate and investment bank to the food, agribusiness, commodities and renewable energy industries, providing sector expertise, strategic advisory and tailored financial solutions to our clients. We thrive on building long-term relationships with clients and stakeholders in the fastest-growing food and agribusiness region of the world. See, https://www.rabobankwholesalebankingna.com/ . Salary Expectations: Target Hiring Range: $105,000.00 - $140,000.00 This position is subject to the terms of [RAF/Rabobank/RDS]’s compensation plans and policies. It is anticipated that the position will pay within the target hiring range. The range is reflective of the desired primary physical work location and may be adjusted outside of the projected range based on geographical differentiation if the actual work location of the hired candidate differs from the desired primary location, or for other lawful reasons. Further, all full-time regular positions include all other benefits provided to [RAF/Rabobank/RDS] employees, including healthcare benefits, 401k matching, vacation, sick leave, parental leave, possible discretionary bonuses and all other benefits that are all governed by and subject to ERISA plan documents and eligibility. Rabo provides equal opportunity in employment to all employees and applicants and does not discriminate on the basis of race, color, creed, religion, national origin, ancestry, alienage or citizenship status, age, sex, sexual orientation, gender identity gender expression, marital status, genetic information, medical condition, physical or mental disability, pregnancy, childbirth or related medical condition, military service or veteran status, victims of domestic violence, or any other basis protected by applicable law. Rabo also prohibits harassment of any individuals on any of the bases listed above. At Rabobank, we strive to grow a better world together. In order to achieve that, we have to have the right people in the right jobs. Are you ready to join our team? This job posting has no fixed application deadline. We will accept resumes until a qualified applicant pool is identified. #LI-Hybrid