As a global leading, specialized food and agribusiness bank, Rabobank provides sector expertise, strategic counsel and tailored financial solutions to clients across the whole food value chain. Furthermore, with our expertise in Trade & Commodity Finance in agricultural commodities, energy and metals finance, our team in Singapore provides one-stop trade flow solutions to our clients for their international trade finance transactions.
Trade and Commodity Finance (TCF) is a global business line within Rabobank Wholesale focusing on clients active in the international commodities business within the sectors Agriculture, Energy and Metals & Minerals. TCF finances the whole commodities chain, from the production of raw materials to delivery to manufacturers, including pre and post export financing of trade flows, inventories and receivables.
High frequency of business, customer intimacy, specialised local product / geographical market knowledge, complex or bespoke structures, short timelines and volatile markets are all characteristics of the TCF business.
Role Description
The Analyst supports TCF in achieving its strategic objectives by:
· Identifying, assessing, managing, monitoring and reporting risks that may incur in the business;
· Ensuring the risk profile complies with risk policies, standards and guidelines;
· Promoting a strong risk culture within business;
· Identifying and assessing risks with a forward looking view;
· Managing risk by actively identifying early warning signals;
· Implementing effective risk control in accordance with the Bank’s framework;
· Supporting full transaction execution in accordance with the Bank’s framework.
· Active commercial engagement in terms of identifying business opportunities, assessing prospect fitment and managing an ongoing dialogue with clients to maintain business intensity.
Credit & Risk Management
· Prepare credit application, annual review and solicit approvals in situations of facility increase, exception/deviation request, changes in T/S, non-compliance of covenants, negative developments etc.
· Responsible for credit risk assessment and modelling, including financial spreading, rating, loan classification, LEA, default trigger and projection, GAIA (sustainability) assessment.
· Work closely with Risk Approvers to clarify credit application enquiries, and to respond to action points requested by relevant approvers wherever necessary
· Responsible for documentation initiation process, follow up with the collation of condition precedents documents, covenant control and monitoring of approval conditions.
· Review documentation to ensure compliance with credit approval terms
· Responsible for control activities, including maintaining credit-risk related data quality and closely monitor loan classification
· Conduct timely escalation of any negative development or red flags based on credit risk position and adverse changing market conditions
· Assist in portfolio review, regular or ad hoc projects in relation to account and portfolio monitoring
Business In-Control
· To participate in In-Control meeting and to monitor, administer and report operational risk incidents
· Provide input for regulatory returns
· Be responsible for credit related data/limit input and monitoring of Loan Classification
Client Service
· Be jointly responsible for credit related matters including active involvement in the credit structuring and term sheet preparation, negotiation and review and Request for Change processes.
· Participate in deal team to support transaction execution
· Maintain constant dialogues with internal stakeholders to keep abreast of market intelligence, procedures, policies and strategies
Role Requirements
· 5 to 10 years relevant experience in wholesale clients environment, preferably credit, portfolio and trade and commodity finance
· Strong analytical and financial assessment skillset with experience in assessing complex structured transactions
· Experience in risk analysis of large corporates, and more particularly commodity trading companies
· Prior relationship development and credit analysis/trade structuring experience;
