Associate Director Wholesale Banking Credit Analyst

Rabobank; Australia; On-site; AUD 180,000 - 280,000; Full time

Benefits offered by this job

Wellbeing leave

Education Assistance Program

Parental Leave

Bonus and Additional Leave

Extra Insurance

Rabo Workplace Giving program

Job summary

Rabobank Australia is seeking an Associate Director to join the Portfolio Management team within Wholesale Banking. The role focuses on credit submissions, risk assessment and ongoing management of complex lending transactions for large corporate and institutional clients across food & agribusiness, commodities and energy transition.

You will partner with Relationship Managers, Product Specialists and Risk to support origination, structuring and monitoring, contributing to Rabobank's disciplined

Qualifications

• Must have degree in Finance, Accounting or related discipline.
• Strong experience in wholesale or institutional banking, in credit analysis, credit approval or portfolio management.
• Strong credit and risk assessment capability with sound commercial judgement.
• High-quality financial analysis and structured problem solving.
• Confident written and verbal communicator with senior stakeholders.
• Strong relationship-building and collaborative mindset.

Responsibilities

• Prepare clear, concise credit submissions in line with Rabobank's risk policies.
• Analyse business, non-financial and sustainability risks, including sector dynamics.
• Undertake detailed financial analysis, including historical performance, forecasts and sensitivities.
• Assess group structures, legal entities and counterparty risk.
• Determine and support key credit risk parameters such as PD and LGD.
• Complete annual client credit reviews and ongoing portfolio monitoring.
• Proactively identify and respond to emerging client or portfolio risks.
• Contribute to portfolio insights and continuous improvement initiatives.

Skills

Credit analysis

Financial analysis

Stakeholder communication

Risk assessment

Portfolio management

Team collaboration

Education

Degree in Finance/Accounting or related

Postgraduate qualification desirable

Job description

Job Title

Associate Director Wholesale Banking Credit Analyst

Job Description

Rabobank is the world's leading specialist in food & agribusiness banking. In Australia and New Zealand, our Wholesale Banking franchise is a core growth platform, supporting large and complex corporate and institutional clients across food & agribusiness, commodities and the energy transition.

Our success is built on deep sector knowledge, long-standing client relationships and a strong risk culture. We are a business that continues to invest and grow, and our people are central to that journey

About the role:

Due to ongoing growth in our Wholesale Banking business across Australia and New Zealand, we are seeking an Associate Director to join our Portfolio Management team. This is a front‑line credit role, embedded in deal teams, where you will partner closely with Relationship Managers, Product Specialists and Risk to support origination, structuring and ongoing management of complex lending transactions.

In this role, you will play a critical part in enabling the bank's strategic growth ambitions while maintaining a disciplined and robust risk framework. You will have exposure to a high‑quality, diversified wholesale portfolio and the opportunity to contribute to a collaborative, high‑performing team within an established and expanding franchise.

Credit Application Preparation & Risk Assessment

• Prepare clear, concise and high‑quality credit submissions in line with Rabobank's credit risk policies, underwriting standards and risk appetite
• Analyse business, non‑financial and sustainability risks, including sector dynamics
• Undertake detailed financial analysis, including historical performance, forecasts and sensitivities
• Assess group structures, legal entities and counterparty risk
• Determine and support key credit risk parameters such as PD and LGD

Client Monitoring & Portfolio Management

• Complete annual client credit reviews and ongoing portfolio monitoring, including covenant compliance and special conditions
• Proactively identify and respond to emerging client or portfolio risks
• Contribute to portfolio insights, reviews and continuous improvement initiatives

To be successful you will have:

• Degree in Finance, Accounting or a related discipline; postgraduate qualification desirable
• Strong experience in a wholesale or institutional banking environment, within credit analysis, credit approval or portfolio management
• Strong credit and risk assessment capability with sound commercial judgement
• High‑quality financial analysis and structured problem‑solving skills
• Confident written and verbal communicator, comfortable engaging with senior stakeholders
• Strong relationship‑building skills and a collaborative, team‑oriented mindset
• Proactive, detail‑oriented and able to manage priorities in a deadline‑driven environment

What we are proud to offer you:

• Wellbeing leave . These 2 extra leave days support greater work/life balance and is just another way we are helping our employees to lead happier, healthier, and more fulfilling lives.
• Education Assistance Program . Rabobank values the development of its people and has a great Education Assistance Program to assist with professional development.
• Parental Leave that supports you and your family while giving you the freedom and flexibility to enjoy this special time (Primary carer up-to 14 weeks paid leave)
• Bonus and Additional Leave . We realise sometimes 4 weeks Annual Leave is not enough! At Rabobank we provide an incentive for eligible employees to receive 1 extra week Annual Leave and an option to purchase another 2 weeks Annual Leave.
• Extra Insurance . Rabobank recognises that employees need to protect their financial wellbeing, in the event of serious illness, injury, or even death. Rabobank provides eligible permanent employees with employer‑funded Death, TPD and Income Protection Insurance.
• Rabo Workplace Giving program . As part of Rabobank's global Corporate Social Responsibility, Workplace Giving aims to encourage employees to contribute to our community. Rabo Workplace Giving program matches employee donations to selected Social Partners.

Our Values:

Rabobank Australia values inclusion, belonging, and positive experiences for all. Our work environment, our benefits, and the way we live our values, "Client Driven," "Responsible," "Professional" and "Cooperative" make it a great place to work. We welcome applicants from diverse backgrounds.

Please let our Talent Acquisition team know if you need any accommodations to make our opportunities more accessible to you.

Rabobank is not accepting submissions from recruitment agencies for this role.

You must hold valid work rights to be considered for this role.