Leverage your existing credit analysis experience while continuing to grow as you collaborate with seasoned professionals and engage directly with clients at a top-tier commodity finance institution. In this position, you will prepare high-quality credit applications, perform detailed financial and risk analysis, and proactively monitor a portfolio of domestic and global clients in the agricultural, energy, and metals commodity sectors.

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About the Job
In this position, you will prepare high-quality credit applications, perform detailed financial and risk analysis, and proactively monitor a portfolio of domestic and global clients in the agricultural, energy, and metals commodity sectors.

• 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.

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To be considered for the Credit Analyst role, you must have:

• 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.

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Salary Expectations: Target Hiring Range: $115,000.00 - $185,000.00

Our Organization:

Rabobank Group is a global financial services leader providing wholesale and retail banking, leasing, and real estate services in more than 37 countries worldwide. Founded over a century ago, Rabobank today is one of the world’s largest banks with over $678 billion in assets.
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In North America, Rabobank is a premier corporate and investment bank to the food, agribusiness, commodities and energy industries in the United States, Mexico, and Canada. Rabo AgriFinance, a subsidiary of Rabobank, is a leading financial services provider for farmers, ranchers and agribusinesses in the United States and Canada. Together, we provide sector expertise, strategic counsel and tailored financial solutions to clients across the entire value chain. Visit www.RabobankNA.com