Credit Analyst

Rado Bank • New York, NY

1d • $115,000 - $185,000 • Hybrid

About The Position

Leverage your existing credit analysis experience while continuing to grow as you collaborate with seasoned professionals and engage directly with clients at a top-tier commodity finance institution. In this position, you will prepare high-quality credit applications, perform detailed financial and risk analysis, and proactively monitor a portfolio of domestic and global clients in the agricultural, energy, and metals commodity sectors. Our Shared Future: “Working as a credit analyst on the Trade & Commodity Finance team provides an exceptional career foundation. The guidance and mentorship provided by experienced professionals is invaluable, and the collaborative environment fosters my continuous development in financial analysis and risk assessment.” - Credit Analyst You and Your Job In this position, you will prepare high-quality credit applications, perform detailed financial and risk analysis, and proactively monitor a portfolio of domestic and global clients in the agricultural, energy, and metals commodity sectors.

Requirements

• Bachelor’s Degree
• Strong writing skills, with 2+ years’ experience writing credit applications including business, market, financial, risk, and facility structure analysis.
• Experience analyzing bank financing structures, collateral and perfection, including; revolving loans, borrowing base and transactional facilities.
• Experience defending credit applications to risk approvers and/or credit committees.
• Ability to use Microsoft office software including excel, word, outlook, and teams. Advanced functions in Excel including INDEX, VLOOKUP, pivot tables, and macros.
• Knowledge of credit analysis tools including financial spreading software (creditlens), credit rating models, bank risk return models, covenant and collateral tracking applications, and approval workflow applications.
• 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 for this position.

Responsibilities

• Write and defend comprehensive credit applications that include detailed business, market, financial, risk, and facility structure analysis, with a strong focus on credit metrics and structures specific to commodity trading companies.
• Analyze complex trade finance structures and collateral arrangements, including revolving loans, borrowing base facilities, transactional financing, forward books, brokerage accounts, and commodity inventories, ensuring sound risk analysis and mitigation.
• Assess commodity traders’ risk practices and liquidity needs, performing position and margin call stress testing to evaluate exposure under volatile market conditions.
• Monitor ongoing client reporting and credit risk status, identifying breaches or deterioration early and escalating issues promptly to safeguard the portfolio.
• Engage with client’s management and executives while collaborating with relationship managers, product partners, and risk approvers to support growth goals while maintaining the strong risk culture of the bank.

Benefits

• Rabobank welcomes employees and applicants from all backgrounds and is committed to fostering an inclusive environment that leverages the diverse strengths of our workforce. This enables us to exceed the expectations of our clients and customers while ensuring a healthy and safe environment for our staff.
• We believe your well-being extends far beyond just a paycheck and should encompass your health, happiness, and satisfaction. To meet these needs, Rabobank offers a flexible hybrid working model and continually evaluates and enhances our benefit offerings to ensure they are comprehensive, competitive, and provide you with the options and flexibility you need.
• Our employee benefits are focused on four main components: Physical Well-Being includes our commitment to your Health and Wellness. Medical, Dental and Vision plan coverages are effective on your date of hire. Rabo offers multiple plan options and a full network of providers to best meet your needs.
• Financial Well-Being provides for your Retirement + Savings + Security. We love seeing your retirement plan balance grow just as much as you do! That’s why you can start participating in the 401(k) plan on your date of hire. Plus we match 50% of the first 6% you contribute to your 401(k) plan for US Employees. Rabo also contributes an additional 3% of your eligible pay in Safe Harbor contribution and up to 3% in annual Discretionary Profit Sharing contributions.
• Emotional Well-Being ensures your Work + Life balance. We offer a generous paid time off program to full time employees: up to 20 days of vacation time, 5 days of additional time off plus 7 sick days and 11 US holidays annually (based on hire date during the calendar year).
• In addition, Growing a Better World Together requires wanting the best for our employees and their families and our communities. To do that, we offer both the time and financial support to give back to the community through our Dollars for Doers, Helping Hands and Gift Matching programs.
• Workforce Well-Being supports a hybrid working model that offers the flexibility to split your time between home and the office—typically 2–3 days remote and the remaining days onsite—promoting both productivity and personal well-being.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 5,001-10,000 employees