(Junior) Credit Analyst Corporate Lending C&RE

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 be client facing and have your own client portfolio together with the Corporate Lending Relationship Manager.

You and your job
Together with your colleagues at C&RE, you will create new business and continue to assess the risks of the existing portfolio. We aim to have a relevant market position in financing Construction and Commercial Real Estate in the Netherlands. We focus on financing affordable housing, funding the energy transition, and staying in balance on income and risk by focusing on the quality of our portfolio. Moreover, we help our real estate clients in the Netherlands to transform, grow, invest, and innovate to reach their goals in fast changing markets.

Get results

• Developing and maintaining a portfolio of clients in the C&RE 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

• 36-40 hours per week;
• There are many career opportunities, both in depth and broadening;
• Client segment: Wholesale Real Estate clients with corporate loans > EUR 50 mln with complex and professional real estate portfolios For construction companies with a turnover > EUR 250 mln with complexity and (inter)national focus;
• Rabobank group: 9.5 million customers around the world.

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 around the affordable housing and energy transition;
• 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 Wholesale C&RE.

“Together with your deal team, you manage an active relationship with our clients and help them achieve their goals by providing the right solution for their real estate challenges. In other words: you add value for our clients and their portfolio.”

Bram Gordijn

The 16 people in our Wholesale C&RE team brings talented people to serve the largest construction and real estate companies in the Netherlands. We have the ambition to be a partner for our clients in meeting their sustainability goals and ambitions. Working together is the way we work; as 1 passionate team at Rabobank. Talking of Rabobank: We are a Dutch bank that operates in 38 countries for over 9,500,000 customers. Together with these customers, our members and partners we stand side by side to create a world in which everyone has access to enough healthy food. In the Netherlands we work to create a country in which people are happy with how they live, work and do business.

You and your talent

• Relevant Master’s degree;
• Proficient in English and in Dutch is a must;
• 1+ years of experience with Commercial Credit Analysis in corporate banking, for example within corporate lending, project and structured finance, acquisition finance, trade & commodity finance or financial advisory & solutions;
• Experience in the areas of lending, structuring complex financings, credit risk management (analysis and writing), modelling and preferably knowledgeable in the C&RE sector;
• If you do not have the relevant work experience, but you have a great affinity with the construction and real estate sector, then be sure to express your interest as well;
• You want to get results, and have a strong commercial drive;
• You encourage collaboration and have a can-do mentality;
• You have a positive mind-set aimed at continuously improving the business and the people you work with.

This is what we offer you

• Up to € 3.711,- until € 6.130,- gross per month (scale 8-9);
• Thirteenth month's salary and 8% holiday allowance;
• An extra budget of 10% or 11% of your gross monthly salary to be used at your discretion. Buy extra holiday hours, add more to your pension savings or ask for part of the extra budget to be paid out.

This is selection of the terms of employment for a (Junior) Commercial Credit Analyst based on a 36-hour working week. This vacancy is for 36-40 hours per week. You can find all our terms of employment on rabobank.jobs/en/conditions-of-employment.

You and the job application process

Reply to the vacancy for (Junior) Commercial Credit Analyst at Rabobank with your cv and motivation letter. This vacancy is open until fulfilment.

• Any questions about the job content? Contact: Bram Gordijn, Executive Director Corporate Lending via +31 (6) 12 61 14 54;
• Any questions about working at Rabobank and the process? Contact Lonneke Boelens, Recruiter via +31 (6) 11 14 07 33;
• The application procedure consists of two (in person or virtual) interviews;
• The team works together 2 to 3 days a week at the Utrecht office;
• 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.