Job Overview/Purpose:The Analyst forms part of the Support Hub, also made up of Associate Analysts and Senior Analysts, whom collectively provide valuable prudential and client relationship support to account managers (Rural and Branch Managers) to enable them to develop new business, manage existing client accounts and to enable our clients to reach their goals and aspirations.
An Analyst is responsible for providing financial analysis and credit submissions for moderately complex accounts and client engagement. An Analyst’s skills and experience will be drawn upon to coach other members of the Support Hub.
Key Responsibilities and Accountabilities: Actively support the Rural Manager(s) in responding quickly and efficiently to the requirements of new
and existing clients.
Promote a culture of recognising the value of collaboration by engaging in effective and valuable
communication with Rural Managers in deal planning to meet client expectations.
Actively engage in the preparation of all loan applications and developing skills towards undertaking
submissions that will be reviewed at Credit Committee level.
Proven ability to complete this work independently or with minimal assistance from the Rural
Manager(s) or Support Hub Manager.
Ability to critically analyse and interpret financial statements and identify relevant industry trends.
Proven ability to recognise and evaluate credit risks and make recommendations regarding new to
Bank or existing client’s business proposals.
Required to liaise with all relevant parties to ensure that documentation and settlements are
processed promptly and accurately.
Adopt and promote best practice within the region and when undertaking work as allocated by
regional Support Hub Manager.
Utilise appropriate workflow tools and processes to provide key stakeholders with clear oversight on
workload and capacity.
Prepare and submit Account Manager Reviews and Credit Reviews in line with Bank policy and
procedure as directed by Support Hub Manager.
Work collaboratively with the Manager Finance Officer Support and Support Hub Manager to foster an
environment of continuous improvement within Country Banking.
Develop and maintain strong internal relationships within the broader Rabobank network.
Ensure compliance with the Bank’s policies and procedures at all times including Audit, Credit,
Compliance and Business Continuity.
Undertake administrative work as required, including responding to telephone and branch enquiries
and general liaison with clients, other service providers, branches and other stakeholders.
Core Competencies:Market and Customer Focus
Demonstrate a passion for customer service excellence.
Anticipate and act on customer needs quickly and effectively.
Synergy and Partnership
Build connections across branches, functions and regions
Foster open dialogue and encourage a free flow of information.
Vision and Strategy
Build/contribute to a shared team vision.
Create an environment of accountability.
Continually strive to improve performance and results.
Pursue work with energy, drive and commitment.
Work to achieve agreed goals and objectives.
Inspire and Develop
Engage and inspire other members in the team.
Act as a role model.
Job Skills and Knowledge: Minimum 3 years of experience in a similar role or within banking, finance or agriculture (as a guide).
Ability to understand and interpret moderately complex financial statements.
Ability to conduct moderately complex financial analysis.
Ability to write a moderately complex credit submission with limited support from peers.
Possess a strong understanding of credit structures.
Ability to identify risks and associated mitigants within credit submission.
Experience working within a customer service environment.
Strong knowledge of rural industry.
Strong communication at all levels both written and verbal.
Ability to develop and maintain strong relationships with key internal and external clients.
Capacity to work towards timeframe and manage client expectations.
Developed planning and organisational skills to manage competing priorities.
Ability to work effectively with no supervision and within a team environment.
Tertiary qualifications in agriculture, business, finance or related discipline.
Development Value(Skill and knowledge development within the role. Opportunities for future career development)
Highly developed financial analysis
Highly developed risk analysis
Highly developed credit writing skills
Strong communications skills