Total 5 job vacancies by Cooperatieve Rabobank U.a.

Wholesale Clients is responsible for the client strategy in the wholesale domain of Rabobank. It is Wholesale Clients’ strategy to commit to all sectors within the Food & Agricultural (F&A) value chain and contribute to the bank’s strategic vision of growing a better world together. The Wholesale Clients operation in Asia covers a matrix of the products including loan products, structured finance and country client coverage in mainland China, Hong Kong, Singapore and India.

The key elements of Asia Wholesale Clients strategy are to

i) execute the Asia client selection strategy

ii) steer risks and return/profitability

iii) offer innovative and market leading product solutions and

iv) make sustainability impact to our client community.

This job holder in his capacity as a junior relationship manager will help a team of Relationship Managers to support Wholesale Clients in achieving its strategic objectives to become the leading F&A bank by:

• Coordinating client focused efforts for top tier relationships at executive level;

• Maximizing revenues relative to capital utilization for client base across all product groups and across all regions;

• Increasing cross-sell for the Rabobank Group;

• Involved in the origination, structuring and execution of loan transactions.

• Engage and align all the relevant parties for the client strategy.

Key Responsibilities and Accountabilities:

Client Engagement

• Assisting Senior RMs to execute account plans and realize cross-sell of wholesale products and services, and to ensure relevant stakeholders are aligned with the proposed client strategy

• Relationship building and transaction origination/execution: Assist the Senior Bankers in the team in executing documentation, through liaising with internal and external stakeholders

• Coordinating with internal teams and ensuring that the relevant parties within the bank are aligned with the proposed strategy for the client (risk, product families, credit, research etc).

• Effectively lead client service teams. Advocate and be a role-model for cooperation and ensure Rabobank knowledge is strategically applied towards clients.

• Contribute to business growth and maximize revenue by primarily helping the Senior RM in maintaining existing client relations in a customer responsible manner

• Working with Senior Client managers to Identify, analyse and anticipate needs of the customers based on prevailing client and external changes, translate it into client engagement and commercial opportunities

• Improve client satisfaction through retaining leading positions in i) being key F&A provider, ii) sharing F&A sector knowledge, and iii) being key provider in structured finance solutions

• Being responsible for internal MIS, account and transaction documentation

Business Origination/Execution

• Involved in the execution of loan transactions for our chosen clients, working independently or collaboratively with different product groups depending on complexity of the transaction.

• Helping Prepare credit application together with analysts from the risk management department.

• Responsible for MIS on client franchise income and risk management in the portfolio

• Support the origination and execution of deals, and to work collaboratively with product partners

• Working with the Senior Bankers in the unit to prepare Engagement memos and taking it through the approval process

Risk Management

• Act as the first line of defense within Rabobank to ensure the business is operating in line with the Bank’s risk appetite and keep the risks of business transactions within acceptable limits

• Keep abreast of market updates, monitor internal client and external changes as input for review on Loan Classification

Quality/Process Optimization

• Contribute to the continuous improvement of the systems, procedure and processes, and ensure stakeholders are adequately informed of the changes

• Improve internal policies and processes to make them clear, concrete and relevant, with objective to optimize efficiencies and reduce risk

Sustainability

• Support clients to increase the sustainability photo

• Involved in the drive for bilateral green or sustainable loans

Key Relationships:

• Clients and prospects in line with the Bank’s strategy

• Wholesale team, Risk Management team, Product Partners, Food & Agri Research team

• External advisors, such as law firms, accounting firms and consultants

Key Performance Indicators:

• Rock Solid Bank: client income, income quality, operating within risk appetite

• Excellent Client Focus: growth of primary clients, client engagement

• Meaningful Cooperative: greening our portfolio

• Empowered Employees: personal development, steer collaboration within the team

Requirements:

• University degree in Finance, Business, Commerce or other related discipline
• At least 3 years relevant experience in wholesale clients environment, preferably 2 years within a product line
• Strategic relationship development and credit analysis/loan structuring experience
• Capability to maintain dialogue with clients
• Entrepreneurship, results orientation, client impact, team worker, broad orientation incl. on cultural matters and on social engagement

This role will be a driving force behind the commercial success of the APAC (inclusive of the Asia region) region in Value Chain Finance (VCF) and reports directly to the Head of Value Chain Finance, Asia Pacific. VCF is a globally managed product group and is governed by one set of global policies and procedures and a Risk Appetite Statement with addenda for regional considerations (e.g., regulatory where VCF operates).

Current Products offered by VCF from its product suite include:

· Securitised Asset Based Lending (SABL)

· Monetisation

· Asset Based Lending

· Portfolio Finance

· Supplier Finance

· Structured Inventory Products (including Forward Sale, Just in Time, Hedged Forward, Cash & Carry, Corporate Inventory Management, and SIP with Terms)

The person in this role will be charged with increasing our client penetration rate across the entire APAC region, both for first time VCF clients and for existing VCF clients to maximize our share of their working capital and value chain wallet.

The span of the target market is broad and requires broad-based knowledge of the target clients, the overall competitive framework and the capabilities and limitations of the VCF product suite. A strong awareness of overall product suitability for client needs in line with Rabobank risk appetite is key to success in delivering.

The overall VCF APAC region is being created to maximize scale and to increase overall efficiency and efficacy. While the role will lead to being a deal captain, it also will require the ability to trust and empower employees to execute while moving on to new opportunities. The person in is this role will be key to contributing to the overall pipeline of the regional franchise and to enhancing awareness within the bank and among bankers. An ability to identify client needs and provide solutions that are able to be delivered as promised and in reasonable timeframes (as well as in line with efficiency, digitalization, and revenue and return targets) is key to success.

As one of the 3 pillars of Structured Lending in the Wholesale setup, VCF is the centre of competence/excellence for payables, inventory and receivables finance solutions. VCF operates across all regions where Wholesale currently operates and primarily serves clients of Wholesale and also serves clients of the Rabobank Group entities.

VCF is established to continue to provide Rabobank clients with optionality of products for their working capital needs and to enhance the revenue contribution of clients to the overall Wholesale revenue line by being a one stop service provider for working capital, supply chain finance and value chain finance for customers in the international food & agri markets (Banking4Food). History has shown that if a client is a user of an ABF or SIP product offering, then the client is typically elevated to HVC status in conjunction with other Rabobank product offerings or on a standalone basis.

VCF is a growth engine as part of being Fitter, Stronger and Better and has an ambitious growth plan through increased penetration of offerings across the client base, integrated and multi-use product offerings for clients and new product development.

By offering highly structured products with protective measures embedded as our clients’ profiles deteriorate, it is intended that VCF delivers a high quality of recurring earnings with low impairment levels (historically nil). Therefore, continued excellence in surveillance, upfront due diligence and knowing our customers is key.

VCF is keenly focused on digitalization, innovation, sustainability and new product development for its clients and to Growing A Better World Together.

Working for the Rabobank Group demands special competences from the individual employee, who must have a natural tendency to collaborate with customers, members and colleagues. The added value manifests itself in permanent, mutual collaboration between all national and international business units and entities within the Rabobank Group. The permanent collaboration enables us to achieve shared professional results, where short-term and long-term customer interest is at the forefront. This requires employees to have a personality which is clearly "actively focused on other people" and for employees to make a careful consideration between risks and results in the performance of work duties with the objective to increase and maintain customer confidence in the entire value chain of product development, product distribution and customer advice. Employees within the Rabobank Group are aware of possible risks to the organization in performing their work duties and handle these risks with care. The Rabobank Group’s Code of Conduct forms the framework for how to do business within the entire Rabobank Group.

Key Responsibilities and Accountabilities:

• Delivery of assigned KPIs with a large focus on adding new client transactions, increasing the overall penetration rate, and revenue targets;
• Targets will be rateably in line with the targets of the overall regional franchise;
• Meeting budget within prescribed parameters;
• Contributing to and fostering a culture of risk management awareness, management and compliance as well as personal conduct;
• Coordination and alignment with the Head of VCF APAC as to the strategy and suitability;
• Client centricity – building and maintaining client relationships and prompt follow up is important at all times;
• Marketing – preparing of marketing material, pitching, identifying opportunities, follow-up and provide clients and bankers periodic update regarding VCF product and market developments;
• Coordinate - structuring and execution of transactions in particular negotiating legal agreements, managing agreement execution, internal credit approvals, managing stakeholders and establishing reporting and monitoring framework;
• Performing analysis - due diligence, collateral audit, data analysis, first loss analysis, credit enhancement requirements;
• Structuring - drafting and negotiating term sheets, transaction modelling, rating agency methodology (where applicable), insolvency analysis, debt ranking, capital and return calculations, pricing;
• Maintain good relationships with VCF APAC stakeholders, both internal and external;
• International travel as required (including extensive travels but limited to key economies in Asia); and
• Others as are warranted by the needs of the business

Requirements:

• Bachelor's degree with at least 10 years of relevant experience in asset-based lending, inventory (ownership) financing, receivables purchase, portfolio finance and supplier finance.
• Self-starter and can do attitude.
• Result and quality driven.
• Excellent communication skills (verbally and in writing) and able to interact with clients on a professional level.
• Coordination and management of transaction processes (including legal documentation) with high attention to detail.
• Creative problem solving skills, strong drive and ability to perform under pressure and deadlines.
• Advanced modelling skills and good analytical skills
• Excellent team player

The person in this role will be charged with increasing our client penetration rate across the entire APAC region, both for first time VCF clients and for existing VCF clients to maximize our share of their working capital and value chain wallet.

The span of the target market is broad and requires broad-based knowledge of the target clients, the overall competitive framework and the capabilities and limitations of the VCF product suite. A strong awareness of overall product suitability for client needs in line with Rabobank risk appetite is key to success in delivering.

The overall VCF APAC region is being created to maximize scale and to increase overall efficiency and efficacy. While the role will lead to being a deal captain, it also will require the ability to trust and empower employees to execute while moving on to new opportunities. The person in is this role will be key to contributing to the overall pipeline of the regional franchise and to enhancing awareness within the bank and among bankers. An ability to identify client needs and provide solutions that are able to be delivered as promised and in reasonable timeframes (as well as in line with efficiency, digitalization, and revenue and return targets) is key to success.

As one of the 3 pillars of Structured Lending in the Wholesale setup, VCF is the centre of competence/excellence for payables, inventory and receivables finance solutions. VCF operates across all regions where Wholesale currently operates and primarily serves clients of Wholesale and also serves clients of the Rabobank Group entities, e.g. DLL.

VCF is established to continue to provide Rabobank clients with optionality of products for their working capital needs and to enhance the revenue contribution of clients to the overall Wholesale revenue line by being a one stop service provider for working capital, supply chain finance and value chain finance for customers in the international food & agri markets (Banking4Food). History has shown that if a client is a user of an ABF or SIP product offering, then the client is typically elevated to HVC status in conjunction with other Rabobank product offerings or on a standalone basis.

VCF is a growth engine as part of being Fitter, Stronger and Better and has an ambitious MTP that seeks c. 10% CAGR growth through increased penetration of offerings across the client base, integrated and multi-use product offerings for clients and new product development.

By offering highly structured products with protective measures embedded as our clients’ profiles deteriorate, it is intended that VCF delivers a high quality of recurring earnings with low impairment levels (historically nil). Therefore, continued excellence in surveillance, upfront due diligence and knowing our customers is key.

VCF is keenly focused on digitalization, innovation, sustainability and new product development for its clients and to Growing a Better World Together.

Working for the Rabobank Group demands special competencies from the individual employee, who must have a natural tendency to collaborate with customers, members and colleagues. The added value manifests itself in permanent, mutual collaboration between all national and international business units and entities within the Rabobank Group. The permanent collaboration enables us to achieve shared professional results, where short-term and long-term customer interest is at the forefront. This requires employees to have a personality which is clearly "actively focused on other people" and for employees to make a careful consideration between risks and results in the performance of work duties with the objective to increase and maintain customer confidence in the entire value chain of product development, product distribution and customer advice. Employees within the Rabobank Group are aware of possible risks to the organization in performing their work duties and handle these risks with care. The Rabobank Group’s Code of Conduct forms the framework for how to do business within the entire Rabobank Group.

Key Responsibilities and Accountabilities:

• Delivery of assigned KPIs with a large focus on adding new client transactions, increasing the overall penetration rate, and revenue targets;
• Targets will be rateably in line with the targets of the overall regional franchise;
• Meeting budget within prescribed parameters;
• Contributing to and fostering a culture of risk management awareness, management and compliance as well as personal conduct;
• Coordination and alignment with the Head of VCF APAC as to the strategy and suitability;
• Client centricity – building and maintaining client relationships and prompt follow up is important at all times;
• Marketing – preparing of marketing material, pitching, identifying opportunities, follow-up and provide clients and bankers periodic update regarding VCF product and market developments;
• Coordinate - structuring and execution of transactions in particular negotiating legal agreements, managing agreement execution, internal credit approvals, managing stakeholders and establishing reporting and monitoring framework;
• Performing analysis - due diligence, collateral audit, data analysis, first loss analysis, credit enhancement requirements;
• Structuring - drafting and negotiating term sheets, transaction modelling, rating agency methodology (where applicable), insolvency analysis, debt ranking, capital and return calculations, pricing;
• Maintain good relationships with VCF APAC stakeholders, both internal and external;

Requirements:

• Bachelor's degree with at least 10 years of relevant experience in asset-based lending, inventory (ownership) financing, receivables purchase, portfolio finance and supplier finance.
• Self-starter and can do attitude.
• Result and quality driven.
• Excellent communication skills (verbally and in writing) and able to interact with clients on a professional level.
• Coordination and management of transaction process with high attention to detail.
• Creative problem solving skills, strong drive and ability to perform under pressure and deadlines.
• Advanced modelling skills and good analytical skills
• Excellent team player
• International travel as required including extensive travels to countries not limited to India, Thailand, Philippines and Vietnam; and
• Others as are warranted by the needs of the business

Wholesale Clients is responsible for the client strategy in the wholesale domain of Rabobank. It is Wholesale Clients’ strategy to commit to all sectors within the Food & Agricultural (F&A) value chain and contribute to the bank’s strategic vision of growing a better world together.

The Wholesale Clients' offices in Asia are in Hong Kong, Shanghai and Singapore and covers a matrix of products including Corporate Loans, Trade Commodity Finance, Value Chain Financing, Financial Advisory & Structuring, Capital Markets, Corporate Risk & Treasury Management and Mergers & Aqcuisitions. The key elements of Asia Wholesale Clients strategy are to:

i) execute the Asia client selection strategy
ii) steer risks and return/profitability
iii) offer innovative and market leading product solutions and
iv) make sustainability impact to our client community.

The job holder will be part of a team of Relationship Managers to support India Wholesale Clients in achieving its strategic objectives to become the leading F&A bank by:

• Coordinating client focused efforts for top tier relationships at executive level;
• Maximizing revenues relative to capital utilization for client base across all product groups and across all regions;
• Increasing cross-sell for the Rabobank Group;
• Leading the origination, structuring and execution of loan transactions.
• Engaging and aligning all the relevant parties for the client strategy.

Key Responsibilities and Accountabilities:

Client Engagement
• As RM, work closely with the team to execute account plan and realize cross-sell of wholesale products and services, and to ensure relevant stakeholders are aligned with the proposed India client strategy
• Relationship building and transaction origination/execution oversight: For complex new and current relations build client intimacy, followed by deal origination.
• Ensure that the relevant parties within the bank are aligned with the proposed strategy for the client (risk, product families, credit, research, M&A etc).
• Effectively lead client service teams. Advocate and be a role-model for cooperation and ensure Rabobank knowledge is strategically applied towards clients.
• Potential customers are selected on the basis of an acceptable risk profile in line with the Bank’s F&A Client Selection Criteria
• Contribute to business growth and maximize revenue by primarily maintaining existing client relations in a customer responsible manner
• Identify, analyse and anticipate needs of the customers based on prevailing client and external changes, translate it into client engagement and commercial opportunities
• Improve client satisfaction through retaining leading positions in i) being key F&A provider, ii) sharing F&A sector knowledge, and iii) being key provider in structured finance solutions
• Responsible and accountable for client franchise income in his/her portfolio.

Business Origination

• Lead the origination, structuring and execution of loan transactions for our chosen clients, working independently or collaboratively with different product groups depending on complexity of the transaction. Prepare credit application together with analysts from the risk management department.
• Responsible for client franchise income and risk management in the portfolio
• Support the origination, tracking and execution of deals, and to work collaboratively with product partners

Risk Management
• Act as the first line of defense within Rabobank to ensure the business is operating in line with the Bank’s risk appetite: i) ensure potential clients are selected on the basis of an acceptable risk profile and in line with the Bank’s F&A client selection criteria, ii) keep the risks of business transactions within acceptable limits
• Keep abreast of market updates, monitor internal client and external changes as input for review on Loan Classification

Quality/Process Optimization
• Contribute to the continuous improvement of the systems, procedure and processes, and ensure stakeholders are adequately informed of the changes
• Improve internal policies and processes to make them clear, concrete and relevant, with objective to optimize efficiencies and reduce risk

Sustainability
• Support clients to increase the sustainability photo
• Drive bilateral green or sustainable loans

Experience & Knowledge:

• University degree in Finance, Business, Commerce or other related discipline
• At least 8 years relevant experience in wholesale clients environment, preferably 2 years within a product line
• Strategic relationship development and credit analysis/loan structuring experience
• Capability to maintain dialogue with clients
• Proven, international, team-management skills
• Entrepreneurship, results orientation, client impact, team worker

As a global leading, specialized food and agribusiness bank, Rabobank provides sector expertise, strategic counsel and tailored financial solutions to clients across the whole food value chain. Furthermore, with our expertise in Trade & Commodity Finance in agricultural commodities, energy and metals finance, our team in Singapore provides one-stop trade flow solutions to our clients for their international trade finance transactions.

Trade and Commodity Finance (TCF) is a global business line within Rabobank Wholesale focusing on clients active in the international commodities business within the sectors Agriculture, Energy and Metals & Minerals. TCF finances the whole commodities chain, from the production of raw materials to delivery to manufacturers, including pre and post export financing of trade flows, inventories and receivables.

High frequency of business, customer intimacy, specialised local product / geographical market knowledge, complex or bespoke structures, short timelines and volatile markets are all characteristics of the TCF business.

Role Description

The Analyst supports TCF in achieving its strategic objectives by:

· Identifying, assessing, managing, monitoring and reporting risks that may incur in the business;

· Ensuring the risk profile complies with risk policies, standards and guidelines;

· Promoting a strong risk culture within business;

· Identifying and assessing risks with a forward looking view;

· Managing risk by actively identifying early warning signals;

· Implementing effective risk control in accordance with the Bank’s framework;

· Supporting full transaction execution in accordance with the Bank’s framework.

· Active commercial engagement in terms of identifying business opportunities, assessing prospect fitment and managing an ongoing dialogue with clients to maintain business intensity.

Credit & Risk Management

· Prepare credit application, annual review and solicit approvals in situations of facility increase, exception/deviation request, changes in T/S, non-compliance of covenants, negative developments etc.

· Responsible for credit risk assessment and modelling, including financial spreading, rating, loan classification, LEA, default trigger and projection, GAIA (sustainability) assessment.

· Work closely with Risk Approvers to clarify credit application enquiries, and to respond to action points requested by relevant approvers wherever necessary

· Responsible for documentation initiation process, follow up with the collation of condition precedents documents, covenant control and monitoring of approval conditions.

· Review documentation to ensure compliance with credit approval terms

· Responsible for control activities, including maintaining credit-risk related data quality and closely monitor loan classification

· Conduct timely escalation of any negative development or red flags based on credit risk position and adverse changing market conditions

· Assist in portfolio review, regular or ad hoc projects in relation to account and portfolio monitoring

Business In-Control

· To participate in In-Control meeting and to monitor, administer and report operational risk incidents

· Provide input for regulatory returns

· Be responsible for credit related data/limit input and monitoring of Loan Classification

Client Service

· Be jointly responsible for credit related matters including active involvement in the credit structuring and term sheet preparation, negotiation and review and Request for Change processes.

· Participate in deal team to support transaction execution

· Maintain constant dialogues with internal stakeholders to keep abreast of market intelligence, procedures, policies and strategies

Role Requirements

· 5 to 10 years relevant experience in wholesale clients environment, preferably credit, portfolio and trade and commodity finance

· Strong analytical and financial assessment skillset with experience in assessing complex structured transactions

· Experience in risk analysis of large corporates, and more particularly commodity trading companies

· Prior relationship development and credit analysis/trade structuring experience;