VP, Project Finance/Structured Finance Credit Analyst

Our Organization: 

Rabobank Wholesale Banking North America is part of Rabobank, a global financial services leader providing wholesale, rural and retail banking services in more than 40 countries worldwide. Founded by Dutch farmers over a century ago, Rabobank remains true to our core mission: to create value for our customers, our employees, and the local communities where we do business. Rabobank today is one of the world’s largest banks with over $650 billion in assets. In North America, Rabobank is a premier financial institution providing services across the food and agriculture value chain. RDS’s support functions champion over 1,300 employees throughout Rabo AgriFinance and Rabobank North America Wholesale, companion Rabobank subsidiaries.  

In partnership with the Relationship Manager and Portfolio Management, the Project Finance Credit Analyst is responsible for all aspects of the credit product including structuring, analysis, preparing credit applications, documentation, negotiation, industry research, financial modeling and ongoing maintenance of new and existing customers. In addition the Credit Analyst will be involved in comparative analysis of clients/prospects in order to analyze the competitive landscape in the industry. Majority of customers are in the renewable energy sector (wind, solar, energy storage, energy efficiency and biomass).

Context of Job: 

  • The Credit Analyst works in close cooperation with the Project Finance origination team in New York on deal structuring, due diligence and analysis for both new transactions and portfolio monitoring.
  • The transactions are complex and highly structured.  
  • Transactions typically consist of medium to large size debt financings that are structured bilaterally or with a syndicate or club of banks.
  • The Credit Analyst is also responsible for the Rabobank Risk Rating, LEA/LGD and RAROC models.
  • Credit Analyst is responsible for writing and general preparation of credit applications.  Includes sensitivity modeling, internal deal rating and pricing, counterparty analysis, contract analysis, financial and structural analyses.
  • Works on execution of deals, including final due diligence.
  • In addition, the Credit Analyst has responsibility for on-going monitoring of a portfolio of deals.  Entails review of monthly reporting, quarterly presentation of performance of deals to senior management, annual reviews and evaluation of amendments and waivers. 
  • Additional ad hoc projects, including portfolio reviews, writing requisite internal papers and industry research.

Key Responsibilities and Accountabilities: 

  • Understands all aspects of underwriting, approving and closing Project Finance transactions including ability to analyze risk and structure transactions. 
  • Produces an independent, objective, high quality assessment of the credit risk and mitigants involved in transactions including preparation of high quality credit reports.
  • Is responsible for the market/business analysis, financial analysis (including sensitivity analysis projections) and structure analysis in the credit report.
  • Is responsible for economic capital calculations.
  • Maintains strong skills in effectively transferring information orally and in writing (i.e. no surprises).
  • Communicates effectively and directly with all internal and external constituents. 
  • Works effectively and cooperatively with co-workers and other departments in achieving the Bank’s goals.
  • Plans and organizes own work, uses time effectively, sets appropriate priorities, anticipates business needs. 
  • Maintains extensive industry knowledge of the renewable energy industry and Project Finance markets.  

Review and portfolio monitoring

  • Responsible for initiating timely reviews (according to the review calendar)
  • Responsible for monthly/ quarterly assessing the received company information / covenant checks.
  • Responsible for monitoring assigned portfolio of clients; in depth client knowledge is essential for adequately identifying early warning signals with the aim of minimizing loan losses.
  • Initiating where necessary extra measures in order to safeguard the credit portfolio.

Key Relationships: 

-Borrowers

-External Banks

-Legal Counsel – Internal & External

-NY Project Finance Relationship Managers

-NY Project Finance Portfolio Management

-NY Senior Risk Officer, Chief Credit Risk Officer - Wholesale, NYCC and Credit Approvals WRR

-Loan Syndications

-Derivatives (CRTM)

-Operations Support Staff

-RaboResearch Group

Key Performance Indicators: 

-Coordinates credit efforts with applicable Transaction Manager and any relevant product groups.

-Analyzes transactions quickly and effectively under time constraints with finished product requiring minimal revisions and receiving positive feedback from committees.

-Shares information and knowledge appropriately.  Presents effective and clear oral support to credit committee as necessary.  Exhibits excellent understanding of client and industry risks and mitigants to those risks.

-Demonstrates teamwork in facilitating workflow.  Provides willing and active levels of effort to support the team’s goals and Bank’s needs.

-Assesses risk in assigned portfolio by independently conducting review, analysis and research.

-Provides leadership role ensuring successful conclusion of transactions.

-Maintains up to date knowledge of policies, procedures and processes relevant to Rabobank credit risk management.

-Effectively represents the bank and maintains client relationships through client calls and visits as appropriate.

-Maintains proficiency in Bank’s financial models, applications and industry research resources.

We Offer: 

With healthcare and insurance costs on the rise, employees enjoy a first-class benefits package, featuring a selection of medical coverage and investment options to meet your personal needs. Our benefits program includes:  

  • Medical 
  • Dental 
  • Vision 
  • Health care spending account 
  • Dependent care spending account 
  • Basic life insurance plus AD&D insurance 
  • Optional life insurance 
  • Short-term disability 
  • Long-term disability 
  • 401(k) program 
  • Health and wellness seminars 
  • Tuition reimbursement  

Equal Employment Opportunity

Rabobank, Rabo AgriFinance, and Rabo Diversified Services (“Rabo”) all provide equal employment opportunities for all prospective and current employees.

Rabo does not discriminate on the basis of race, color, national origin, religion, alienage or citizenship status, age, sex, sexual orientation, gender identity or expression, marital status, genetic information, physical or mental disability, pregnancy, military service or veteran status, or any other basis protected by applicable law.  Consistent with this policy, Rabo recruits, hires, trains, and promotes persons in all job titles and ensure that all personnel actions are based on merit, qualifications, and abilities, without regard to the protected factors listed above.  This policy governs all aspects of employment, including application, hiring, compensation, promotion, discipline, termination of employment, and access to benefits and training.

VP, Project Finance/Structured Finance Credit Analyst

Contract type Full time
Location New York (United States)
Reference number JR_00052973
Publication date 8 October 2021

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