Rabobank

About Rabobank

& Purpose: To originate transactions and support Major Agribusiness Managers in the development and maintenance of long term client relationships and business growth. Context of Job: Country Banking forms the core business of Rabobank New Zealand and has 33 offices across New Zealand. Country Banking enjoys a reputation as the leading provider of specialised banking services in the Food and Agribusiness sector. The Retail and Rural sector of Rabobank Australia and New Zealand Group (RANZG) is an important contributor to Rabobank globally.Key Responsibilities and Accountabilities*: Work collaboratively with Major Agribusiness Manager(s) in responding to requirements of new and existing complex clients and their accounts. Complete financial analysis including cash flow analysis, assessing covenant compliance and the structuring of complex transactions. Prepare loan applications and reviews for large scale deals. Complete independently or assist clients in establishing new accounts, including AIO conversions, Rabo Internet Banking (RIB) setup, Automatic payments etc. Maintain annual credit reviews and account manager reviews to credit policy requirements. Ensure the credit application process is completed to a high standard with minimal reworks. Assist with the identification of business risks and poor-performing assets early and ensure appropriate action taken to resolve. Ensure compliance with the bank’s policies and procedures at all times, including Audit, Compliance, Business Continuity and Credit (excesses, reviews, client conditions). Monitor loan arrears and accounts in excess, and take appropriate action to rectify. Ensure settlement of approved loan applications on time. Contribute to the development and execution of marketing plans. Maintain and build relationships with local referral sources, including accountants, solicitors and consultants. Undertake service and fulfilment work as required, requesting financial statements and general liaison with clients, other service providers and other stakeholders. Coach and mentor colleagues as required. Other duties as directed. Qualifications: Degree in Finance, Accounting, Economics, or relevant agricultural discipline (desirable). Experience: Minimum of 5+ years’ experience gained within banking and / or business or corporate banking with an agribusiness focus as an Analyst or similar. Knowledge: Strong knowledge of the rural industry Knowledge of specialised financial products Has a sound knowledge of base financial information (including Balance sheets / P&L /Cashflow statements) and can articulate this verbally and in written form. Has a comprehensive knowledge of the Bank’s products (e.g. Treasury / GFM) services (e.g. RaboResearch) and associated credit policies and provides a high level of value-add to the client. Has appropriate knowledge of the Banks target sectors, or, shows aptitude to involve other stakeholders who do Understanding of Risk-adjusted return on capital (RAROC) and seeks to negotiate terms and conditions that align the Bank with the borrower’s risk profile, providing appropriate protection and triggers in the event of non-performance. Skills: Communication & Negotiation Skills External: Strong interpersonal & communication skills with demonstrated ability to: build relationships explore borrower’s future business plans and associated risk tolerance then balance this with the bank’s risk appetite Sound understanding & knowledge of the Bank’s initial and ongoing information base requirements and positions this appropriately with the Borrower Sound understanding of the Bank’s target market and the Bank’s Major Agri Clients (MAC) Strategy. Internal: Strong interpersonal & communication skills including: proactively driving deal team communications with early engagement of other core deal team members (Credit and Support) ability to influence key internal stakeholders including legal, Global Financial Markets (GFM), RaboResearch, Operations (as appropriate) Assistance with setting and management of appropriate timeframes and expectations with ability to prioritise for deals. Leadership Skills Ability to suggest improvements to systems and processes. Ability act as a mentor and coach to colleagues as required Ability to influence Demonstrated sound judgement Interpersonal Skills Display and promote a high level of conduct at all times Promote of culture of professionalism, respect and fun Customer Focus Ability to develop and maintain relationships and networks with internal and external clients Strong commercial orientation; ability to communicate decisions to the client that are mutually beneficial. Technical and Specialist Skills Demonstrated ability to balance Structure & Pricing for risk/reward. Ability to maintain sound relationships with key internal and external clients. Planning and Organisation Ability to plan and organise own work and perform under pressure Self-motivated Agile Credit Paper Preparation (MAC Analyst) Demonstrated ability to collaborate within a core deal team and the ability to proficiently present larger or more complex deals well in terms of: “Right First Time” information base collection including, where available, customer prepared 3 way (profit & loss, balance sheet, cash flow) forecasts and budgets with key assumptions and profit drivers or, customer endorsed Bank prepared forecasts/budgets with clear underlying assumptions completed in conjunction with Borrower and their service providers Clearly and concisely articulates the proposed Transaction, rationale and source and use of funds (if applicable). Has a sound understanding of and ability to articulate: o Business model & analysis o Key risk identification Compliance & Operational Risk Manages facility maturities, excesses, ongoing covenant and compliance monitoring and reviews in a timely and sufficient manner as per Bank policy and procedure. Undertake Risk Champion responsibilities as required. Competencies: Customer Focus – Engaging the customer in dialogue. Detecting and listing customers’ wishes and needs. Responding and anticipating to this, putting customer interest first. Thinking and acting from the customer’s perspective. Staying focused on creating added value for the customer (customer value) and improving the service provision. Partnership – Contributing to a joint result based on the philosophy of reciprocal value creation. Seeking collaboration and supporting others. Showing commitment to the joint objective and acting accordingly. Sharing information and knowledge with others. Achieving and connecting synergies. Networking – Building, expanding and maintaining a network of internal and external contacts and relations. Creating the conditions for long-term customer relationships. Forming communities by bringing relevant stakeholders together. Communication – Delivers a strong and coordinated message. Ensures transparency. Problem Solving – Substantiating (strategic and operational) choices and actions based on sounds problem analysis. Collecting relevant information, analysing data and correlating. Drawing correct and realistic conclusions. Organising & Monitoring – Organising work systematically, effectively and efficiently. Exhibit cost-consciousness. Monitor progress of tasks, activities and processes, and take action where necessary.

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Company Info

Legal Form: co

Company Type: Private

Company Size: 5001 - 10000

Revenue: > 10 billion (EUR)

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Job Ads found: 8434

Job Ads per Month: 175.7

Hiring Locations: 90

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