Junior Credit Analyst

This is what we offer you

• Thirteenth month's salary and 8% holiday allowance

• 10% Employee Benefit Budget

• EUR 1,400 development budget per year

• Hybrid working: balance between home and office work (possible for most roles)

• A pension, for which you can set the maximum amount of your personal contribution

View all our benefits.

Job Title

Job Description

In Corporate Lending we work on the fast developing energy-, digital- and food transitions in the world, and we enable our clients in Europe & Africa to transform, grow, invest and innovate to reach their (sustainability) goals. Team High Tech & Digital (HT&D) is one of the five teams within the Corporate Lending department. We are now looking for an enthusiastic new colleague to join our team.

You and your job

As Junior Commercial Credit Analyst you are responsible for a portfolio of clients and are actively involved in analysing and structuring financing transactions for our Wholesale clients through a balanced risk/return/sustainability approach. You can make a difference by identifying the key risk factors in a transaction, managing the credit risk approval process and acting as sparring partner for both relationship managers, clients and other product groups within Rabobank. As Commercial Credit Analyst you will work client facing and have your own client portfolio together with the Corporate Lending Relationship Manager.

Together with your HT&D colleagues, you contribute to originating new business while maintaining a strong focus on assessing and monitoring the (credit) risks within the existing portfolio. You ensure high-quality credit analysis, balanced risk-return considerations, and a well-structured client portfolio. While your role has a strong analytical focus, you are also actively involved in client interactions and play an important part in shaping financing solutions. You will collaborate frequently with internal stakeholders such as Risk Management, Client Coverage, and other Wholesale Banking product teams.

Get results

• Developing and maintaining a portfolio of clients in the HT&D sector and being a first point of contact for these clients in relation to their (credit) risk assessment and Corporate Lending solutions;
• Preparing high quality credit reports and pro-actively monitoring and reporting on the clients in your own portfolio;
• Making a real impact on society and helping our clients reach their ambitions;
• Making yourself and your colleagues better by enjoying a steep learning curve and working in a stimulating environment together with talented, fun and ambitious colleagues.

Facts & Figures

• 40 hours per week
• Client segment: Wholesale HT&D clients in the Netherlands and in selected other European countries with a turnover > EUR 250 mln with complexity and (inter)national focus;
• The team works together 2 to 3 days a week at the Utrecht office.
• Depending on your work experience, you will be offered salary scale 7 or 8.

Top 3 responsibilities

• Perform a leading role in (re)structuring (green) loan facilities & deal management processes, a steering role for credit analysis, modelling, monitoring & reporting and having a final responsibility together with the Relationship Manager Corporate Lending for credit reports;
• Support and actively seek opportunities in relation to the ambition of Wholesale Europe & Africa strategy of leadership in sustainable transitions and more specifically in the new HT&D mandate;
• Act as a sparring partner for relationship managers and commercial credit analysts to deliver the best possible service to our clients and to Grow A Better World Together.

Together we achieve more than alone

We believe in the power of difference. Bringing together people's differences is what makes us an even better bank. So we are very curious about what you can bring to our team at Corporate Lending. Your new colleagues in Corporate Lending serve and manage wholesale clients (turnover > €250m) in a complex, international environment. The HT&D team supports the backbone of the Dutch wholesale market, covering over 10 subsectors including tech, telecom, media, manufacturing, non-food retail, healthcare, and services, while expanding selected subsectors across Europe (new HT&D mandate). The team consists of 10 talented colleagues who collaborate closely, enjoy their work, and are committed to going the extra mile for clients. Together, we aim to be a trusted partner in helping our clients achieve their growth ambitions and sustainability goals. Working together is the way we work; as 1 passionate team at Rabobank.

You and your talent

• Relevant Master’s degree;
• 0-3 years of experience with Commercial Credit Analysis in corporate banking, a plus if you bring relevant experience within corporate lending, project and structured finance, acquisition finance, trade & commodity finance or financial advisory & solutions;
• Experience or affinity in the areas of lending, structuring complex financings, credit risk management (analysis and writing), modelling and preferably knowledgeable in the HT&D sector;
• If you do not have the relevant work experience, but you have a great affinity with the HT&D sector, then be sure to express your interest as well in your cover letter;
• You want to get results, and have a strong commercial drive;
• You encourage collaboration, are a team player and have a can-do mentality;
• You have a positive mind-set aimed at continuously improving the business, yourself and the people you work with.

You and the job application process

Reply to the vacancy for Junior Commercial Credit Analyst at Rabobank before 3 July with your cv and motivation letter.

• Any questions about the job content? Contact: Maartje Marchand, Executive Director Corporate Lending via +31 (6) 46 36 82 18;
• Any questions about working at Rabobank and the process? Contact Neelke IJsseldijk via neelke.ijsseldijk@rabobank.nl;
• The application procedure consists of two (in person or virtual) interviews;
• You can find answers to the most frequently asked questions on rabobank.jobs/en/faq.
• A security check is part of the process.
• We respect your privacy.