Account Manager

The Account Manager supports the business 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 preventing further damage;
• Implementing effective risk control in accordance with the Bank’s framework;
• Supporting full transaction execution.
• Active commercial engagement in terms of identifying business opportunities, assessing prospect fitment and managing an ongoing dialogue with clients to maintain business intensity.

Key Responsibilities and Accountabilities:

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 development etc.
• Responsible for credit risk assessment and modelling, including financial spreading, rating, loan classification, New Corporation model, default trigger and projection
• Work closely with Credit Risk Managers and/or Central Credit committee Rabobank Group to clarify credit application enquiries, and to respond to action points requested by approvers and relevant committee(s) wherever necessary
• During the documentation 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 collateral management and report, maintain 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 EWS meeting/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
• Act as contact point for auditors for all credit and risk related matters

Client Service

• Be responsible for credit related matters during credit structuring and term sheet preparation, negotiation and review processes
• Participate in deal team to support full transaction execution
• Maintain constant dialogues with internal stakeholders to keep abreast of market intelligence, procedures, policies and strategies

Job Skills and Knowledge:

Essential:

• Minimum of 5 years of relevant experience in wholesale client servicing environment with solid background in credit and risk
• Strong analytical skills with experience in assessing complex financial transactions such as acquisition, leverage financing, project financing, receivable purchase or securitized deals
• Experience in risk analysis of large corporates, particularly operating in the food and agriculture sector, and commodity trading companies
• Prior relationship development and/or credit analysis
• Good communication skills, and able to maintain dialogue with senior clients 
• Credibility and maturity in dealing with people; across a complex organization with different cultures and geographies

Diversity & Inclusion

At Rabobank, we:

Believe a diverse and inclusive workplace is the foundation of our performance.

Embed diversity in everything we do on a daily basis, whether it be our hiring, culture, development opportunities or our policies.

Value differences in our people which is represented in terms of gender identity, age, sexual orientation, religion, ethnicity, disability, background, education, expertise or character. 

Embrace people from all walks of life to build a strong, creative, innovative and dynamic workforce that is reflective of the diversity of our community.

Treat everyone equally so that everyone can be themselves, and each individual feels respected and valued on the basis of who they are.