Senior Analyst Regulated Lending - Relationship

Job Title

Job Description

At Rabobank, our commitment to our employees and clients is at the heart of everything we do.

As the world’s leading specialist in food and agribusiness banking, one of our key strengths lies in our people who have a deep understanding of agriculture and are committed to adding long-term value for clients.

Our culture is unique, because every day our people work knowing that we are all playing our part in supporting our farmers to feed the world. We strive to create an open, balanced, and flexible workplace where people feel that they belong, can be open and honest, and are supported…we are focused on growing each other.

About the role 

The Senior Analyst Regulated Lending (Relationship) forms part of the State Team, whom collectively provide valuable prudential and client relationship support to Account Managers (Rural and Area Managers) to enable them to develop new business, manage existing client accounts and to enable our clients to reach their goals and aspirations.

A Senior Analyst Regulated Lending (Relationship) is responsible for acting as an additional formal point of contact for client, client advisors, oversight of journey from client request to settlement, responsible for initiating all associated branch prudential management tasks, comprehensive CDD risk analysis in AML/CTF, KYC requirements and other associated day to day operational tasks. A Senior Analyst’s Regulated Lending (Relationship) skills and experience will be drawn upon to coach and mentor other members in the team.

Some of the Key Responsibilities and Accountabilities include:

• Actively support the Account Manager(s) in responding with a high level of proficiency to the requirements of new and existing National Credit Code (NCC) clients across all states within Country Banking.
• Promote a culture of recognising the value of collaboration by engaging in effective and valuable communication with Account Managers in deal planning to meet client expectations.
• Experienced in the preparation of complex loan applications. Knowledge and experience to be able to undertake this work independently or as an active member of a deal team for these applications if applicable.
• Knowledge and experience to interpret and execute branch prudential management tasks, complex CDD risk analysis in AML/CTF, KYC and other associated operational tasks when required.
• Liaise with all relevant parties to ensure that documentation and settlements are processed promptly and accurately.
• Advocate best practice within the region and when undertaking work as allocated by Branch & Rural Account Managers.
• Utilise appropriate workflow tools and processes to provide key stakeholders with clear oversight on workload and capacity.
• Collaborate with Account Managers on client reviews in line with Bank policy and procedure.
• Monitor loan arrears and NCC accounts in excess liaising with Rural Manager(s) and taking the appropriate action as directed from a commercial and prudential perspective.
• Work collaboratively with Area Manager, Account Managers, Credit Analyst team and Risk & Compliance Manager to foster an environment of continuous improvement within Country Banking.
• Act as a mentor to other Analysts (Relationship) and Associate Analysts (Relationship) within the Region.
• Always ensure compliance with the Bank’s policies and procedures including Audit, Credit, Compliance and Business Continuity.
• Attend farm visits with Account Manager in negotiation with the Branch Managers & Rural Managers when required.
• Undertake administrative work as required, including responding to telephone and branch enquiries and general liaison with clients, other service providers, branches, and other stakeholders.
• Meet individual targets in support of existing/new Rabobank rural clients for new and existing business growth and manage/develop a portfolio of NCC clients, by developing client relationships.
• Manage and resolve customer complaints and disputes in a timely manner.
• A condition of the position is completion of training on regulated lending/other as required.

To be successful in the role, you will have: 

• Degree in Finance related discipline.
• Proven experience in a similar role or within banking, finance, or agriculture (as a guide).
• Ability to interpret and execute branch prudential management tasks and other associated operational tasks.
• Strong understanding of risk analysis in AML/CTF and KYC requirements.
• Possess a strong understanding of sophisticated and complex client structures.
• Strong experience working within a customer service environment.
• High level of communication both written and verbal.
• Highly proactive, adaptable, and flexible in their approach to work.
• Ability to develop and maintain strong relationships with key internal and external clients.
• Capacity to work towards timeframe and manage client expectations.
• Highly developed planning and organisational skills to manage competing priorities.

What we're proud to offer you: 

Rabo@Anywhere is our hybrid way of working at Rabobank and for Australia, that means we have a blend of time working between the office and home.  

Wellbeing leave. These leave days support greater work/life balance and is just another way we are helping our employees to lead happier, healthier, and more fulfilling lives. 

Education Assistance Program. Rabobank values the development of its people and has a great Education Assistance Program to assist with professional development. 

Parental Leave that supports you and your family while giving you the freedom and flexibility to enjoy this special time (up-to 14 weeks paid leave) 

Bonus and Additional Leave. We realise sometimes 4 weeks Annual Leave isn't enough! At Rabobank we provide an incentive for eligible employees to receive 1 extra week Annual Leave and an option to purchase another 2 weeks Annual Leave. 

Extra Insurance. Rabobank recognises that employees need to protect their financial wellbeing, in the event of serious illness, injury, or even death. Rabobank provides eligible permanent employees with employer-funded Death, TPD and Income Protection Insurance. 

Rabo Workplace Giving program. As part of Rabobank's global Corporate Social Responsibility, Workplace Giving aims to encourage employees to contribute to our community. Rabo Workplace Giving program matches employee donations to selected Social Partners. 

Our Values 

Rabobank Australia values inclusion, belonging, and positive experiences for all. Our work environment, our benefits, and the way we live our values, “Client Driven”, “Responsible”, “Professional” and “Cooperative” make it a great place to work. We welcome applicants from diverse backgrounds.