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Rabobank · 1 week ago

Credit Analyst, TCF (Trade Commodity Finance)

New York, NY

Full-time

Hybrid

Entry, Mid Level

$115K/yr - $185K/yr

2+ years exp

Rabobank is a top-tier commodity finance institution seeking a Credit Analyst to leverage credit analysis experience while collaborating with seasoned professionals. The role involves preparing credit applications, conducting financial and risk analysis, and monitoring a portfolio of clients in the agricultural, energy, and metals sectors.

BankingFinanceFinancial ServicesWealth Management

Work & Life Balance

No H1B

Responsibilities

Write and defend comprehensive credit applications that include detailed business, market, financial, risk, and facility structure analysis, with a strong focus on credit metrics and structures specific to commodity trading companies

Analyze complex trade finance structures and collateral arrangements, including revolving loans, borrowing base facilities, transactional financing, forward books, brokerage accounts, and commodity inventories, ensuring sound risk analysis and mitigation

Assess commodity traders’ risk practices and liquidity needs, performing position and margin call stress testing to evaluate exposure under volatile market conditions

Monitor ongoing client reporting and credit risk status, identifying breaches or deterioration early and escalating issues promptly to safeguard the portfolio

Engage with client’s management and executives while collaborating with relationship managers, product partners, and risk approvers to support growth goals while maintaining the strong risk culture of the bank

Qualification

Credit analysisFinancial analysisRisk assessmentMicrosoft ExcelCredit analysis toolsClient engagementWriting skillsCollaboration

Required

Bachelor's Degree

Strong writing skills, with 2+ years' experience writing credit applications including business, market, financial, risk, and facility structure analysis

Experience analyzing bank financing structures, collateral and perfection, including; revolving loans, borrowing base and transactional facilities

Experience defending credit applications to risk approvers and/or credit committees

Ability to use Microsoft office software including excel, word, outlook, and teams. Advanced functions in Excel including INDEX, VLOOKUP, pivot tables, and macros

Knowledge of credit analysis tools including financial spreading software (creditlens), credit rating models, bank risk return models, covenant and collateral tracking applications, and approval workflow applications

Ability to travel regionally up to 15%

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

Benefits

Medical, Dental and Vision plan coverages are effective on your date of hire.

You can start participating in the 401(k) plan on your date of hire.

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.

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.

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.

We support a hybrid working model that offers the flexibility to split your time between home and the office.