Job Overview/PurposeTo collaborate with Agribusiness Managers in the development and maintenance of long term client relationships and business growth through the completion of efficient and effective credit submissions.
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.
Ensure the credit application process is completed to a high standard with minimal reworks.
Complete independently or assist clients in establishing new accounts, including AIO conversions, RIBs setup, Automatic payments etc.
Complete annual credit reviews and account manager reviews to credit policy and country banking procedure requirements.
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 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 deal team as required.
Undertake service and fulfilment work as required, requesting financial statements and general liaison with clients, other service providers and other stakeholders.
Proactive monitoring and reporting of risk items (credit and operational etc)
Coach and mentor colleagues as required.
Other duties as directed.
Core CompetenciesResults Driven
o Celebrate high performance
o Create an environment of accountability
o Eliminate barriers limiting organisational performance.
Market and Client Focus
o Intimately link client needs with business plans.
o Create a sense of urgency on the importance of meeting client needs.
o Detect and listen to client’s wishes and needs. Respond and anticipate and think from a client
perspective. Realise client value and improve service provision.
o Understand our competition.
o Demonstrate an awareness of risk with the goalof achieving long term commercial results.
Synergy and Partnership
o Build connections across teams, functions and regions
o Foster open dialogue and encourage a free flow of information.
o Inspire trust and constructively respond to differences in opinion.
o Substantiate (strategic and operational) choices and actions based on a thorough problem analysis. Collect relevant information, analyse data and interrelate them. Draw correct and realistic conclusions.
Vision and Strategy
o Translate Rabobank strategy into concrete goals and actions.
o Link client needs and aspirations with Rabobank strategy.
Inspire and Develop
o Encourage the team to achieve the goals of Rabobank.
o Act as a role model and mentor (where appropriate)
o Align personal career development with the goals of Rabobank.
Change and Innovation
o Initiate innovative solutions to improve results.
o Guide the organisation to remain flexible in a changing, competitive environment.
o Champion organisation change.
o Be inclusive of others and treat people as equals.
o Recognise and value differences of opinions, perspectives, experiences and cultures.
o Apply appropriate strategies and solutions to deal with conflicts and differences.
Job Skills and KnowledgeBusiness Knowledge
o Strong knowledge of the rural industry
o Knowledge of specialised financial products
o Ability to suggest improvements to systems and processes.
o Ability act as a mentor and coach to colleagues as required
o Ability to influence
o Demonstrated sound judgement
o Display and promote a high level of conduct at all times
o Promote of culture of professionalism, respect and fun
o Ability to develop and maintain relationships and networks with internal and external clients
Technical and Specialist Skills
o Advanced understanding of lending services and policy and procedures.
o Strong credit and financial analysis skills.
o Strong communication at all levels both written and verbal.
o Ability to maintain sound relationships with key internal and external clients.
Credit Paper Preparation
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)
o Sound understanding of and ability to articulate:
Analysis of financial information including historical statements, forecast cash flow, farm
production and pre and post deal position
Business model and analysis
Key risk identification
Planning and Organisation
o Ability to plan and organise own work and perform under pressure
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.
Qualifications Experience gained within banking and / or business or corporate banking with an
agribusiness focus as an Analyst or similar.
Degree in Finance, Accounting, Economics, or relevant agricultural discipline (desirable).