AVP - Financial Analyst II

Company: Rabobank
Location: Yuba City
Posted on: August 2, 2022

Job Description:

Job TitleAVP - Financial Analyst IIJob DescriptionOur Organization: Rabo AgriFinance LLC ("RAF") is a leading financial services provider for agricultural producers across North America. Solely focused on agriculture, RAF is part Rabobank, a global financial services leader offering wholesale, rural and retail banking services in more than 40 countries worldwide and one of the world's largest banks, with over $650 billion in assets. Founded by Dutch farmers over a century ago, Rabobank remains true to our core mission: to create value for our customers, our employees, and the local communities where we do business. With over 40 offices across the U.S., RAF provides clients with knowledgeable local teams and exclusive access to global market research in a variety of sectors, including grains and oilseeds, protein and specialty cropsJob Overview/Purpose:Responsible for complete underwriting of new requests and servicing actions, such as renewals, Annual Reviews, partial releases, and covenant monitoring for relationship exposure up to and exceeding (with FAM approval only) $30M. Key Responsibilities and Accountabilities:AnalysisAnalyze and assess the (potential) client's credit and operational risk using multiple sources of information (e.g., customer's credit and operating risks, current and historical financial statements, cash flows, tax returns, and financial trend analyses)Accompany RM (when requested) on customer farm visits/evaluationsContribute to a full understanding of the client's businessStructuringRecommend the structure of credit products based on RAF's policies through thorough analysisProcess SupportAssist the Relationship Manager in all aspects of managing their portfolioWork effectively within the Customer Team (e.g., Credit Officer, Relationship Manager, and Customer Relationship Specialist) to meet customer expectationsServicingExecute various (financial/administrative) servicing activities (e.g., partial release, modifications, assumptions)MonitoringMonitor loan compliance (e.g., covenant compliance, delinquencies)Assist in the analysis and preparation of annual reviews and loan strategy reportsCommercial SupportDiscuss and propose solutions on how to serve clients optimallySupport RM(s) in growing their portfoliosMarket DevelopmentsStay abreast of relevant developments in the marketStakeholder and Business Relationship Management Manage and liaise with all stakeholders of the RAF Team (e.g. RMT, Loan Support, Credit Dept., and Client) with respect to loan compliance, loan servicing and the support processComplianceOrganize and ensure the monitoring of the business, corporate, and external policies and regulationsOther DutiesAssist with other duties and tasks assigned by managerRiskComplete all mandatory training within a timely basis, as instructed.Comply with code of conduct & Bank policies/procedures.Actively identify incidents outside of established policies & procedures and report to management immediately.Familiar with & comply with laws, regulations, and internal policies & procedures that are applicable to required job duties.Understand & comply with all RAF & Rabobank anti-money laundering (AML), compliance, and all other applicable laws, including, but not limited to, the completion of all required AML & Sanctions training.Culture & ValuesActively & consistently demonstrate Rabobank cultural practices.Job Skills and Knowledge: Essential:Knowledge of short- and long-term agricultural creditSkilled in financial spreadingSkilled in written and oral communicationsSkilled in written and oral comprehensionSkilled in forecasting and stress testingSkilled in risk analysis and interpretationSkilled in face-to-face or telephonic customer presentationsSkilled in MS Office Suite and Internet ExplorerSkilled in social interactionSkilled in time managementAbility to make good judgmentQualifications: Essential:Bachelor's Degree2-5 years of experienceWe Offer: With healthcare and insurance costs on the rise, Rabo AgriFinance employees enjoy a first-class benefits package, featuring a selection of medical coverage and investment options to meet your personal needs. Our benefits program includes: MedicalDentalVisionHealth care spending accountDependent care spending accountBasic life insurance plus AD insuranceOptional life insuranceShort-term disabilityLong-term disability401(k) programHealth and wellness seminarsTuition reimbursementRabo provides equal opportunity in employment to all employees and applicants and does not discriminate on the basis of race, color, creed, religion, national origin, ancestry, alienage or citizenship status, age, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, medical condition, physical or mental disability, pregnancy, childbirth or related medical condition, military service or veteran status, victims of domestic violence, or any other basis protected by applicable law. Rabo also prohibits harassment of any individuals on any of the bases listed above.Consistent with this policy, Rabo embraces diversity and welcomes employees and applicants of all backgrounds. Our goal is to create an environment that is inclusive, drawing upon the strengths of the diversity of our workforce to exceed the expectations of our clients and customers.#LI-hybrid

Keywords: Rabobank, Yuba City , AVP - Financial Analyst II, Accounting, Auditing , Yuba City, California