Credit Analyst Associate

Rado Bank • Atlanta, GA

1d • Hybrid

About The Position

Rabobank is seeking a self-starter to join its growing Consumer industry team. The Credit Analyst Associate evaluates risks associated with client relationships and works to gain organizational support for balanced, well-supported credit decisions. In partnership with Relationship Managers, the role covers the credit product lifecycle, including underwriting, structuring, analysis, documentation, negotiation, industry research, financial modeling, and ongoing maintenance of new and existing customers. The analyst also compares clients and prospects to assess the competitive landscape.

The position offers the opportunity to develop credit analysis skills and manage a portfolio of large Consumer industry accounts, with exposure to products including core lending, working capital solutions, leveraged lending, and sales and trading. It also involves building close working relationships with clients and collaborating with internal teams.

Requirements

• Bachelor’s degree in finance or an associated discipline.
• At least 3 years of credit or lending experience.
• Ability to travel regionally up to 15%.
• Legally authorized to work in the United States on a full-time basis; Rabobank is unable to sponsor or take over sponsorship of an employment visa.

Nice To Haves

• Master’s degree.
• Formal credit training at a major money center bank.

Responsibilities

• Work closely with the relationship management team on new transactions and portfolio monitoring.
• Manage the Rabobank Risk Rating, LEA/LGD, and RAROC models.
• Understand and support all aspects of underwriting, approving, and closing transactions, including risk analysis and transaction structuring.
• Produce independent, objective, high-quality assessments of transaction credit risk and mitigants, including high-quality credit reports.
• Conduct market and business analysis, financial analysis including sensitivity analysis and projections, and structure analysis for credit reports.
• Perform economic capital calculations.
• Communicate effectively in writing and orally, avoid surprises, and communicate important matters to internal and external constituents.
• Work cooperatively with colleagues and other departments to achieve the Bank’s goals.
• Plan and organize work, manage time and priorities, anticipate business needs, and meet deadlines.
• Maintain extensive industry knowledge.
• Initiate timely reviews according to the review calendar.
• Assess monthly or quarterly company financial information and perform covenant checks.
• Monitor an assigned client portfolio, maintain in-depth client knowledge, and identify early warning signals to minimize loan losses.
• Initiate additional measures when necessary to safeguard the credit portfolio.

Benefits

• Medical, dental, and vision plan coverage effective on the date of hire, with multiple plan options and provider networks.
• 401(k) participation beginning on the date of hire, with a match of 50% of the first 6% contributed by US employees.
• Additional 3% Safe Harbor contribution of eligible pay and up to 3% in annual discretionary profit-sharing contributions.
• Paid time off for full-time employees: up to 20 vacation days, 5 additional days off, 7 sick days, and 11 US holidays annually, subject to company accrual and carryover policies.
• Community-giving support through Dollars for Doers, Helping Hands, and Gift Matching programs.
• Flexible hybrid working model, typically 2 days remote and remaining days onsite.
• Parental leave.
• Possible discretionary bonuses.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level