Rabobank
Credit Analyst, TCF (Trade Commodity Finance)
Leverage your existing credit analysis experience while continuing to grow as you collaborate with seasoned professionals and engage directly with clients at a top‑tier commodity finance institution. In this position, you will prepare high‑quality credit applications, perform detailed financial and risk analysis, and proactively monitor a portfolio of domestic and global clients in the agricultural, energy, and metals commodity sectors.
Shared Future & Testimonials “Working as a credit analyst on the Trade & Commodity Finance team provides an exceptional career foundation. The guidance and mentorship provided by experienced professionals is invaluable, and the collaborative environment fosters my continuous development in financial analysis and risk assessment.” - Credit Analyst
Job Responsibilities
Write and defend comprehensive credit applications that include detailed business, market, financial, risk, and facility structure analysis, with a strong focus on credit metrics and structures specific to commodity trading companies.
Analyze complex trade finance structures and collateral arrangements, including revolving loans, borrowing base facilities, transactional financing, forward books, brokerage accounts, and commodity inventories, ensuring sound risk analysis and mitigation.
Assess commodity traders’ risk practices and liquidity needs, performing position and margin call stress testing to evaluate exposure under volatile market conditions.
Monitor ongoing client reporting and credit risk status, identifying breaches or deterioration early and escalating issues promptly to safeguard the portfolio.
Engage with client’s management and executives while collaborating with relationship managers, product partners, and risk approvers to support growth goals while maintaining the strong risk culture of the bank.
Qualifications
Bachelor’s Degree.
Strong writing skills, with 2+ years’ experience writing credit applications including business, market, financial, risk, and facility structure analysis.
Experience analyzing bank financing structures, collateral and perfection.
Experience defending credit applications to risk approvers and/or credit committees.
Advanced Excel skills (INDEX, VLOOKUP, pivot tables, macros).
Knowledge of credit analysis tools such as financial spreading software, credit rating models, bank risk return models, covenant and collateral tracking applications, and approval workflow applications.
Ability to travel regionally up to 15 %.
Legally authorized to work in the United States (full‑time). Rabobank does not sponsor or take over employment visa sponsorship.
Benefits
Physical Well‑Being: Health, Dental, and Vision coverage effective on hire date with multiple plan options.
Financial Well‑Being: 401(k) plan with 50 % match of first 6 % and additional contributions.
Emotional Well‑Being: Paid time off (up to 20 days vacation, 5 additional days, 7 sick days, 11 holidays) and community programs.
Workforce Well‑Being: Hybrid working model (2–3 days remote).
Company Overview Rabobank Group is a global financial services leader with over $678 billion in assets, providing wholesale and retail banking, leasing, and real‑estate services in more than 37 countries.
Compensation Target hiring range: $115,000.00 – $185,000.00.
Equal Opportunity Rabo provides equal opportunity in employment to all employees and applicants and does not discriminate on the basis of race, color, creed, religion, national origin, ancestry, alienage or citizenship status, age, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, medical condition, physical or mental disability, pregnancy, childbirth or related medical condition, military service or veteran status, victims of domestic violence, or any other basis protected by applicable law. Rabo also prohibits harassment of any individuals on any of the bases listed above.
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Shared Future & Testimonials “Working as a credit analyst on the Trade & Commodity Finance team provides an exceptional career foundation. The guidance and mentorship provided by experienced professionals is invaluable, and the collaborative environment fosters my continuous development in financial analysis and risk assessment.” - Credit Analyst
Job Responsibilities
Write and defend comprehensive credit applications that include detailed business, market, financial, risk, and facility structure analysis, with a strong focus on credit metrics and structures specific to commodity trading companies.
Analyze complex trade finance structures and collateral arrangements, including revolving loans, borrowing base facilities, transactional financing, forward books, brokerage accounts, and commodity inventories, ensuring sound risk analysis and mitigation.
Assess commodity traders’ risk practices and liquidity needs, performing position and margin call stress testing to evaluate exposure under volatile market conditions.
Monitor ongoing client reporting and credit risk status, identifying breaches or deterioration early and escalating issues promptly to safeguard the portfolio.
Engage with client’s management and executives while collaborating with relationship managers, product partners, and risk approvers to support growth goals while maintaining the strong risk culture of the bank.
Qualifications
Bachelor’s Degree.
Strong writing skills, with 2+ years’ experience writing credit applications including business, market, financial, risk, and facility structure analysis.
Experience analyzing bank financing structures, collateral and perfection.
Experience defending credit applications to risk approvers and/or credit committees.
Advanced Excel skills (INDEX, VLOOKUP, pivot tables, macros).
Knowledge of credit analysis tools such as financial spreading software, credit rating models, bank risk return models, covenant and collateral tracking applications, and approval workflow applications.
Ability to travel regionally up to 15 %.
Legally authorized to work in the United States (full‑time). Rabobank does not sponsor or take over employment visa sponsorship.
Benefits
Physical Well‑Being: Health, Dental, and Vision coverage effective on hire date with multiple plan options.
Financial Well‑Being: 401(k) plan with 50 % match of first 6 % and additional contributions.
Emotional Well‑Being: Paid time off (up to 20 days vacation, 5 additional days, 7 sick days, 11 holidays) and community programs.
Workforce Well‑Being: Hybrid working model (2–3 days remote).
Company Overview Rabobank Group is a global financial services leader with over $678 billion in assets, providing wholesale and retail banking, leasing, and real‑estate services in more than 37 countries.
Compensation Target hiring range: $115,000.00 – $185,000.00.
Equal Opportunity Rabo provides equal opportunity in employment to all employees and applicants and does not discriminate on the basis of race, color, creed, religion, national origin, ancestry, alienage or citizenship status, age, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, medical condition, physical or mental disability, pregnancy, childbirth or related medical condition, military service or veteran status, victims of domestic violence, or any other basis protected by applicable law. Rabo also prohibits harassment of any individuals on any of the bases listed above.
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