Associate Director Wholesale Banking Credit Analyst

Rabobank is the world’s leading specialist in food and agribusiness banking. In Australia and New Zealand, our Wholesale Banking franchise is a core growth platform, supporting large and complex corporate and institutional clients across food & agribusiness, commodities and the energy transition.

Our success is built on deep sector knowledge, long-standing client relationships and a robust risk culture. We are a business that continues to invest and grow, and our people are central to that journey

About the role:

Due to ongoing growth in our Wholesale Banking business across Australia and New Zealand, we are seeking an Associate Director to join our Portfolio Management team. This is a front-line credit role, embedded in deal teams, where you will partner closely with Relationship Managers, Product Specialists and Risk to support origination, structuring and ongoing management of complex lending transactions.

In this role, you will play a critical part in enabling the bank’s strategic growth ambitions while maintaining a disciplined and robust risk framework. You will have exposure to a high-quality, diversified wholesale portfolio and the opportunity to contribute to a collaborative, high-performing team within an established and expanding franchise.

Prepare clear, concise and high-quality credit submissions in line with Rabobank’s credit risk policies, underwriting standards and risk appetite Analyse business, non-financial and sustainability risks, including sector dynamics

Undertake detailed financial analysis, including historical performance, forecasts and sensitivities

Assess group structures, legal entities and counterparty risk





Determine and support key credit risk parameters such as PD and LGD

Complete annual client credit reviews and ongoing portfolio monitoring, including covenant compliance and special conditions

Proactively identify and respond to emerging client or portfolio risks Contribute to portfolio insights, reviews and continuous improvement initiatives

To be successful, you will have:

Degree in Finance, Accounting or a related discipline; postgraduate qualification desirable

Strong experience in a wholesale or institutional banking environment, within credit analysis, credit approval or portfolio management

Strong credit and risk assessment capability with sound commercial judgement

High-quality financial analysis and structured problem-solving skills

Confident written and verbal communicator, comfortable engaging with senior stakeholders

Strong relationship-building skills and a collaborative, team-oriented mindset

Proactive, detail-oriented and able to manage priorities in a deadline-driven environment

Whatwe'reproud to offer you:

Rabo@Anywhereis our hybrid way of working at Rabobank and for Australia, that means we have a blend of time working between the office and home.

Wellbeing leave. These leave days support greater work/life balance and is just another way we are helping our employees to lead happier, healthier,



and more fulfilling lives.

Education Assistance Program. Rabobank values the development of its people and has a great Education Assistance Program toassistwith professional development.

Parental Leavethat supports you and your family while giving you the freedom and flexibility to enjoy this special time (up-to 14 weeks paid leave)

Bonusand AdditionalLeave. We realise sometimes 4 weeks Annual Leaveisn'tenough! At Rabobank we provide an incentive for eligible employees to receive 1 extra week Annual Leave andan optiontopurchaseanother 2 weeks Annual Leave.

Extra Insurance. Rabobank recognises that employees need to protect their financial wellbeing,in the event ofserious illness, injury, or even death. Rabobank provides eligible permanent employees with employer-funded Death, TPD and Income Protection Insurance.

Rabo Workplace Giving program. As part of Rabobank's global Corporate Social Responsibility, Workplace Giving aims to encourage employees to contribute to our community. Rabo Workplace Giving program matches employee donations to selected Social Partners.

Our Values:

Rabobank Australia values inclusion, belonging, and positive experiences for all. Our work environment, our benefits, and the way we live our values, "Client Driven","Responsible","Professional" and "Cooperative" make ita great placeto work. We welcome applicants from diverse backgrounds.

Please let our Talent Acquisition team know if you need any accommodations to make our opportunities more accessible to you.

Rabobank is not accepting submissions from recruitmentagenciesfor this role.

Applicants must hold valid work rights for this role.

📌 Associate Director Wholesale Banking Credit Analyst (Sydney)
🏢 Rabobank
📍 Sydney