As part of our Loan Review team, you’ll evaluate a broad spectrum of business lines and credit scenarios. You’ll also work closely with partners throughout the bank’s regional and global network.

Our Shared Future:

"I enjoy working in a positive, collaborative, and diverse lending environment, while maintaining strong productive relationships with stakeholders.” -Loan Review Manager

You and Your Job

As a Senior Loan Review Officer you will be successful in performing comprehensive assessments of client and portfolio credit quality, credit processes, risk concentrations, and risk management practices.

Loan Review conducts independent credit risk reviews and furnishes management with analysis, advice and recommendations. As part of this, Loan Review evaluates whether the Line of Business comply with key internal policies, standards and procedures, and whether legislative or regulatory requirements are appropriately addressed as applicable.

Job Responsibilities

Possess strong understanding of complex commercial credit risk management analysis concepts and critical thinking skills. Understanding of various agricultural sectors and loan products is required.

Perform individual credit analysis of portfolios to evaluate the integrity and consistency of the risk grading process, effectiveness of the credit management process, including credit risk monitoring, loan structures, collateral valuations, financial statements, tax returns, cash flow trends and adequacy, lending ratios, and the consistency of compliance with credit risk management policies and procedures, including risk rating methodology and underwriting standards.

Independently lead review engagements including opening meetings, fieldwork inquiries, second work paper reviews, soft close meetings and draft review report.

Drive stakeholder agreement and adequacy of support for final recommendations.

Provide prompt feedback to the Loan Review Manager on the results of scheduled credit review activities and of monitoring.

Your Promise to Us:

To be considered for the Senior Loan Review Officer role, you must have:

Bachelor’s degree in Finance, Accounting, Economics or a related field or possessing other relevant skill sets as deemed necessary to ensure success.

7+ years of complex commercial credit underwriting experience required, 10+ years preferred.

Ability to successfully own the credit review process from start to finish with deadlines.

Reliably organizes work; works effectively & efficiently, prioritizes work, and anticipates business need.

Capable of successfully working on multiple projects simultaneously.

Thrive in a collaborative positive working environment.

Ability to travel regionally, up to 15%.

Legally authorized to work in the United States on a full-time basis. Rabobank is unable to sponsor or take over sponsorship of an employment visa for this position.

Our Commitment to you – cultivating your way beyond pay:

Rabobank welcomes employees and applicants from all backgrounds and is committed to fostering an inclusive environment that leverages the diverse strengths of our workforce. This enables us to exceed the expectations of our clients and customers while ensuring a healthy and safe environment for our staff.

We believe your well-being extends far beyond just a paycheck and should encompass your health, happiness, and satisfaction. To meet these needs, Rabobank offers a flexible hybrid working model and continually evaluates and enhances our benefit offerings to ensure they are comprehensive, competitive, and provide you with the options and flexibility you need.

Our employee benefits are focused on four main components:

Physical Well-Being includes our commitment to your Health and Wellness. Medical, Dental and Vision plan coverages are effective on your date of hire. Rabo offers multiple plan options and a full network of providers to best meet your needs.

Financial Well-Being provides for your Retirement + Savings + Security. We love seeing your retirement plan balance grow just as much as you do! That’s why you can start participating in the 401(k) plan on your date of hire. Plus we match 50% of the first 6% you contribute to your 401(k) plan for US Employees. Rabo also contributes an additional 3% of your eligible pay in Safe Harbor contribution and up to 3% in annual Discretionary Profit Sharing contributions.

Emotional Well-Being ensures your Work + Life balance. We offer a generous paid time off program to full time employees: up to 20 days of vacation time, 5 days of additional time off plus 7 sick days and 11 US holidays annually (based on hire date during the calendar year). In addition, Growing a Better World Together requires wanting the best for our employees and their families and our communities. To do that, we offer both the time and financial support to give back to the community through our Dollars for Doers, Helping Hands and Gift Matching programs. (All paid time off is subject to company accrual and carryover policies.)

Workforce Well-Being supports a hybrid working model that offers the flexibility to split your time between home and the office—typically 2–3 days remote and the remaining days onsite—promoting both productivity and personal well-being.

Our Organization:

Rabobank Group is a global financial services leader providing wholesale and retail banking, leasing, and real estate services in more than 37 countries worldwide. Founded over a century ago, Rabobank today is one of the world’s largest banks with over $678 billion in assets.

In North America, Rabobank is a premier corporate and investment bank to the food, agribusiness, commodities and energy industries in the United States, Mexico, and Canada. Rabo AgriFinance, a subsidiary of Rabobank, is a leading financial services provider for farmers, ranchers and agribusinesses in the United States and Canada. Together, we provide sector expertise, strategic counsel and tailored financial solutions to clients across the entire value chain. Visit www.RabobankNA.com

Salary Expectations:

Target Hiring Range: $98,700.00 - $135,000.00

This position is subject to the terms of [RAF/Rabobank/RDS]’s compensation plans and policies. It is anticipated that the position will pay within the target hiring range. The range is reflective of the desired primary physical work location and may be adjusted outside of the projected range based on geographical differentiation if the actual work location of the hired candidate differs from the desired primary location, or for other lawful reasons. Further, all full-time regular positions include all other benefits provided to [RAF/Rabobank/RDS] employees, including healthcare benefits, 401k matching, vacation, sick leave, parental leave, possible discretionary bonuses and all other benefits that are all governed by and subject to ERISA plan documents and eligibility.

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.

At Rabobank, we strive to grow a better world together. In order to achieve that, we have to have the right people in the right jobs. Are you ready to join our team?

This job posting has no fixed application deadline. We will accept resumes until a qualified applicant pool is identified.

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