AVP - Financial Restructuring Analyst II

Working for the Rabobank Group demands special competencies from the individual employee, who must have a natural tendency to collaborate with customers, members and colleagues. The added value manifests itself in permanent, mutual collaboration between all national and international business units, and entities, within the Rabobank Group.

Our Shared Future:

“I enjoy working on and with the LFR team and appreciate how the role develops my credit analyst skills and future roles.”

You and Your Job

As a Financial Restructuring Analyst, you will be successful in further developing your strong analytical skill set to underwrite comprehensive Loan Strategy Reports.

This role is responsible for partial and/or complete underwriting of Loan Strategy Reports (“LSRs”) for clients assigned to Loan Financial Restructuring (“LFR”) area. Underwriting will consist of renewal requests and servicing actions, such as annual reviews, partial releases, and covenant monitoring for LFR existing clients within an area, sector or market segment. Additionally, general knowledge in using the Loan Quality Assessment (“LQA”) system and process, recommending the appropriate Loan Quality Classification (“LQC”) and proposing impairment provision amount at the client/relationship level are required responsibilities.

Job Responsibilities

• Analyze and assess the (potential) client’s credit and operational risk using multiple sources of information (e.g., customer’s credit and operating risks, current and historical financial statements, cash flows, tax returns, and financial trend analyses).
• Contribute to a full understanding of the client’s business Recommend LQCs and impairment provisions.
• Recommend the structure of credit products based on RAF’s policies through thorough analysis Work primarily on rehabilitation clients assigned to LFR in the Substandard and Doubtful LQC categories.
• Assist the FRM in all aspects of managing their portfolio Work effectively within the Customer Team (e.g., FRM, Credit Officer, Relationship Manager, and Customer Relationship Specialist) to meet client expectations Servicing Execute various (financial/administrative) servicing activities (e.g., partial release, modifications, assumptions)
• Monitor loan compliance (e.g., covenant compliance, delinquencies)
• Assist in the analysis and preparation of annual reviews, renewals, new requests and LSRs in a timely manner.

Your Promise to Us:

To be considered for the Financial Restructuring Analyst II role, you must have:

• Bachelor’s Degree with 2 years of experience
• Knowledge of short and long term agricultural credit
• Skilled in financial spreading, forecasting, stress testing, and risk analysis
• Strong written and oral communication abilities
• Ability to travel regionally and globally, up to 15%

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 expectation so four 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. We focus our employee benefits on three 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.)

Our Organization:

As a financial services provider for leading U.S. farmers and ranchers, Rabo AgriFinance adds value through industry expertise, client-focused solutions, and long-term business relationships. Rabo AgriFinance offers a comprehensive portfolio of services to prepare producers to take advantage of market opportunities and mitigate risk. Our suite of services includes loans, lines of credit, insurance, input financing, equipment leasing and risk management products. Rabo AgriFinance is a subsidiary of Rabobank, one of the world’s largest and most secure banks, and the premier lender in the food and global agriculture industry. See, https://www.raboag.com/.

Salary Expectations:

Target Hiring Range: $53,000.00 - $70,000.00

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.

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