Job Overview & Purpose:
To collaborate with Agribusiness Managers in the development and maintenance of long term client relationships and business growth through portfolio management including the completion of efficient and effective credit submissions.
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 Agribusiness Managers in responding to requirements of new and existing clients
• Complete financial analysis and preparation of loan applications and reviews in accordance with the bank's policies and procedures, utilising the Loan Application process.
• Work collaboratively with Agribusiness Managers to take responsibility and ownership of portfolio risk:
o Credit management – complete loan applications and client reviews in a timely manner
o Prudential management – proactive monitoring and reporting on loan covenants, securities, excesses, OCDD
• Take ownership of the credit application process, ensuring it is completed to a high standard with minimal reworks.
• Work collaboratively with Agribusiness Manager to provide necessary level of service to ensure high customer satisfaction
• Work collaboratively with Agribusiness Manager to identify business risks and poor performing assets early
• Ensure compliance with the banks policies and procedures at all times
• Promote desired risk culture and maintain strong relationships with all lines of responsibility (1,2,3LOR)
• Manage and resolve customer complaints and disputes in a timely manner
• Manage and facilitate account opening and loan settlements
• Contribute to the development and execution of Area business plans and attend Rabobank events.
• Maintain and build relationships with local referral sources, including accountants, solicitors and consultants.
• Attend client and prospect farm visits with Agribusiness Managers and take an active role in the deal team
• 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.
General
• Uphold the Rabobank Values, behaviour, Code of Conduct and Treating Clients Fairly principles to deliver fair and transparent outcomes for our clients and community through our daily behaviours, practices, processes and controls.
Qualifications:
• Degree in Finance, Accounting, Economics, or relevant agricultural discipline (desirable).
Experience:
• Experience gained within banking and/or business or corporate banking with an agribusiness focus as an Analyst or similar.
• Strong communication at all levels both written and verbal.
• Ability to maintain sound relationships with key internal and external clients.
• Demonstrated ability to collaborate and take transaction/request ownership within deal team.
• Ability to proficiently present deals well in terms of:
o Presentation of a report for formal approval following key principles and guidelines
o Clear and concise articulation of the proposed transaction/request, rationale and source and use of funds (if applicable)
• Sound understanding of and ability to articulate:
o Analysis of financial information including historical statements, forecast cash flow, farm production and pre and post deal position
o Business model and analysis
o Key risk identification
o Credit Worthiness
Knowledge:
• Strong knowledge of the rural industry
• Knowledge of specialised financial products
• Advanced understanding of lending services and policy and procedures.
• Strong credit and financial analysis skills and experience.
Compliance & Operational Risk
• Understanding of, and ability to, manage facility reviews and maturities, account excesses, ongoing covenant and compliance monitoring and group lending reviews in a timely manner sufficient to meet bank policy and procedure requirements.
• Ability to recognise and report operational and credit risk incidents.
• Undertake Risk Champion responsibilities as required.
Planning and Organisation
• Ability to plan and organise own work and perform under pressure.
• Self-motivated.
• Agile.
Skills:
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.
Rabobank Global Behavioural Skills:
Story Telling Selects stories, analogies, or examples to illustrate a point and influence others, while customizing communication style to the needs of the audience.
Service orientation Takes accountability for strengthening client relationships, ensures a high level of service quality in the organisation, translates future client needs into new products and service solutions.
Judgement and decision-making Uses appropriate analysis, judgment and experience to make sound business decisions.
Collaborating Takes responsibility for both personal, team and organization goals, while actively seeking and valuing the ideas, opinions and contributions of others.
Complex Problem Solving Solves ill-defined problems in complex, real-world settings.
Coaching Guides, encourages and supports teams in improving team performance and expand, refine, and build new skills.
Emotional Intelligence Is aware of own and others' needs, preferences and emotions, tailors actions accordingly and builds rapport.
Creativity Comes up with unusual or clever ideas for improvement, supporting our mission. Maximizes the creative potential of the team.
Self-Reflection Takes time to reflect on strengths and weaknesses, to improve own and team performance.
Agility Acts as a change driver, initiating change actions and persuading other to change the course or approach in a changing environment.
Negotiating Brings different perspectives together and tries to reconcile differences with a focus on the relation and on content.
Networking Builds local and global relationships (both in and outside Rabobank) that are honest, sincere, and of value to both parties to gain more knowledge, support and cooperation to improve yourself and your (close) colleagues.
This role will close Friday 3 May 2024
ApplyingIn 5 stepsWe'd like to get to know you.
Step 1ApplyingThanks for applying! We consider all the CVs and covering letters that we receive. After the closing date, you will hear from us as soon as possible.
Step 2First interviewUsually you'll be meeting with your (potential) team leader and an immediate (future) colleague. We are keen to get a sense of whether you are a good fit for the position and our team. And you probably have a lot of questions too.
Step 3Second interviewWe want to speak to you a second time. In this online meeting, we will delve deeper into the details of what the job entails. Another colleague will often join the interview too.
Step 4OfferIf you are a good match for us and we're a good match for you, then you'll receive a good offer by email. Some positions require you to undergo further assessment first.
Step 5ScreeningWe assess whether you are trustworthy enough to work for Rabobank in a screening process.
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