Associate Director, Wholesale Credit Analyst

Rabobank

Associate Director Wholesale Credit Analyst at Rabobank focusing on financial analysis and credit risk. Engaging with clients and influencing lending decisions in a dynamic Wholesale Banking team.

Posted 7/15/2026full-timeAuckland • 🇳🇿 New ZealandSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates strong credit and risk assessment capabilities, with expertise in analyzing complex credit transactions and preparing high-quality credit submissions. Proficient in financial analysis, portfolio management, and stakeholder engagement to support sound credit decisions and responsible business growth.

Highest-signal resume keywords

Credit Risk AssessmentFinancial AnalysisCredit Submission PreparationStakeholder EngagementPortfolio Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisRisk AssessmentFinancial Performance AnalysisProbability of Default CalculationLoss Given Default Calculation

Soft Skills

Written CommunicationVerbal CommunicationCollaborative MindsetProactive ApproachDeadline Management

Certifications & Qualifications

CACFAMBA

Industry Keywords

Wholesale BankingCorporate BankingInstitutional BankingFinancial ServicesCredit Risk Metrics

About the role

Key responsibilities & impact

Prepare high-quality credit submissions and assess lending proposals against risk appetite, policy and underwriting standards
Analyse financial performance, forecasts, sensitivities, business risks, industry dynamics, sustainability considerations and client structures to support sound credit decisions
Assess key credit risk metrics, profitability and portfolio performance, providing clear and independent recommendations
Determine and support key credit risk parameters, including probability of default and loss given default, where relevant
Conduct annual credit reviews, monitor covenant compliance and special conditions, and proactively identify emerging client or portfolio risks
Partner closely with Relationship Managers, Product Specialists and other stakeholders to support client outcomes and responsible business growth
Participate in client engagements where your credit perspective can add value to structuring, decision-making and long-term relationship outcomes
Contribute to portfolio insights, strategic projects, process improvements and knowledge sharing across the team

Requirements

What you’ll need

Minimum 6–7 years’ experience within banking, financial services or a related environment
Strong exposure to Wholesale, Corporate or Institutional Banking clients
Experience as a Credit Analyst, Credit Approver, Portfolio Manager, Relationship Manager or similar role
Proven experience analysing complex credit transactions and preparing clear, well-structured credit submissions
Strong credit and risk assessment capability, with sound commercial judgement and high-quality financial analysis skills
Confident written and verbal communication skills, including the ability to engage credibly with senior stakeholders
A collaborative, proactive and team-oriented mindset, with the ability to manage priorities in a deadline-driven environment
Degree in Finance, Accounting, Economics, Commerce or a related discipline
A postgraduate qualification such as CA, CFA, MBA or similar will be highly regarded

Benefits

Comp & perks

Competitive salary
Personal and professional development opportunities
Health and wellbeing initiatives
Additional leave benefits
Flexible workplace
Insurance and financial benefits