VP - Senior Financial Analyst II

Rabobank • Yuba City, CA

21d • $110,000 - $145,000 • Hybrid

About The Position

Passionate about Agriculture and building relationships? Join us in growing a better world. We are looking to add to our team of dedicated analysts. This position provides significant support to our customer relationship team in providing products and solutions aimed at helping our clients feed the world. Our Shared Future: "I’m extremely proud to represent and work for the largest food and agricultural bank to deliver the financing needs to helps families and producers live out their passion and dream to feed the world every day. It’s a rewarding and satisfying feeling building relationships and working together towards the same goal.” - VP - Senior Financial Analyst I You and Your Job As a Senior Financial Analyst II, you will analyze and assess a client's credit worthiness while monitoring and servicing a dedicated portfolio within the Major Agri Clients(MAC) segment, working as part of the MAC West team located in California. SAF-IIs are responsible for complete underwriting of new requests and servicing actions, such as renewals, Annual Reviews, partial releases, and covenant monitoring for relationships within an assigned area, sector, or market segment.

Requirements

• Bachelor’s Degree
• 7+ years of relevant experience.
• Knowledge of short and long term agricultural credit.
• Skilled in written and oral communication.
• 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

• Analyze & assess the (potential) client’s credit & 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 Relationship Managers (RMs), when requested, on customer farm visits/evaluations.
• Contribute to a full understanding of the client’s business.
• Recommend the structure of credit products based on company policies through thorough analysis.
• Assist the RMs in all aspects of managing their portfolio.
• Work effectively within the Customer Team (e.g., Credit Officer, RM, and Customer Relationship Specialist) to meet customer expectations.
• Execute various (financial/administrative) servicing activities (e.g., partial release, modifications, assumptions).
• Monitor loan compliance (e.g., covenant compliance, delinquencies).
• Assist in the analysis and preparation of annual reviews and loan strategy reports.
• Discuss and propose solutions on how to serve clients optimally.
• Support RM(s) in growing their portfolios.
• Stay abreast of relevant developments in the market.
• Manage & liaise with all stakeholders of the Team (e.g. CRT, Loan Support, Credit Dept., and Client) with respect to loan compliance, loan servicing and the support process.
• Assist with other duties & tasks assigned by manager.

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 three 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.
• (All paid time off is subject to company accrual and carryover policies.)

What This Job Offers

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