VP - Senior Loan Review Officer

Rabobank • St. Louis, MO

15d • Hybrid

About The Position

As part of our Loan Review team, you’ll evaluate a broad spectrum of business lines and credit scenarios. You’ll also work closely with partners throughout the bank’s regional and global network. Our Shared Future: "I enjoy working in a positive, collaborative, and diverse lending environment, while maintaining strong productive relationships with stakeholders.” -Loan Review Manager You and Your Job As a Senior Loan Review Officer you will be successful in performing comprehensive assessments of client and portfolio credit quality, credit processes, risk concentrations, and risk management practices. Loan Review conducts independent credit risk reviews and furnishes management with analysis, advice and recommendations. As part of this, Loan Review evaluates whether the Line of Business comply with key internal policies, standards and procedures, and whether legislative or regulatory requirements are appropriately addressed as applicable.

Requirements

• Bachelor’s degree in Finance, Accounting, Economics or a related field or possessing other relevant skill sets as deemed necessary to ensure success.
• 7+ years of complex commercial credit underwriting experience required, 10+ years preferred.
• Ability to successfully own the credit review process from start to finish with deadlines.
• Reliably organizes work; works effectively & efficiently, prioritizes work, and anticipates business need.
• Capable of successfully working on multiple projects simultaneously.
• Thrive in a collaborative positive working environment.
• 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

• Possess strong understanding of complex commercial credit risk management analysis concepts and critical thinking skills.
• Understanding of various agricultural sectors and loan products is required.
• Perform individual credit analysis of portfolios to evaluate the integrity and consistency of the risk grading process, effectiveness of the credit management process, including credit risk monitoring, loan structures, collateral valuations, financial statements, tax returns, cash flow trends and adequacy, lending ratios, and the consistency of compliance with credit risk management policies and procedures, including risk rating methodology and underwriting standards.
• Independently lead review engagements including opening meetings, fieldwork inquiries, second work paper reviews, soft close meetings and draft review report.
• Drive stakeholder agreement and adequacy of support for final recommendations.
• Provide prompt feedback to the Loan Review Manager on the results of scheduled credit review activities and of monitoring.

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: Senior