Rabobank Looking for Agribusiness Manager at Masterton Full Time

• Degree in Finance, Accounting, Economics, or relevant agricultural discipline.

Experience:

• Minimum 5+ years’ experience in relationship management gained within rural banking or related industry role.

Knowledge:

• Has a sound knowledge of base financial information (including Balance sheets / P&L /Cash flow statements) and can articulate this verbally and in written form.
• Has knowledge of the Bank’s products (e.g. Treasury / GFM) services (e.g. RaboResearch) and associated credit policies and provides a high level of value-add to the client.
• Has appropriate knowledge of the Banks target sectors, or, shows aptitude to involve other stakeholders who do.

Skills:


Communication & Negotiation Skills

External:

• Strong interpersonal and communication skills with demonstrated ability to:
• Build relationships
• Explore borrower’s future business plans and associated risk tolerance then balance this with the bank’s risk appetite
• Maintain adept influencing and negotiation skills, ask challenging questions and actively explain/portray the Bank’s position to the Borrower and their related stakeholders
• Manage expectations of multiple stakeholders to achieve time bound outcomes;
• Highly regarded by clients and external parties (as measured by NPS results and direct feedback)
• Sound understanding and knowledge of the Bank’s initial and ongoing information base requirements and positions this appropriately with the Borrower
• Sound understanding of the Bank’s target market and Strategy. Actively maintains a pipeline of prospects and qualifies in MAPS, proactively communicates these with all stake holders.

Internal:

• Strong interpersonal and communication skills including:

o proactively driving communications with early engagement of other core team members (Credit and Support)

o ability to influence key internal stakeholders including legal, Global Financial Markets (GFM), RaboResearch, Operations (as appropriate)

o Setting and management of appropriate timeframes and expectations with ability to prioritise for deals.

• Takes a balanced macro (RANZG and financial industry) view as well as a micro (client) view.
• Demonstrated ability to balance Structure and Pricing for risk/reward:

o Understanding of Risk Adjust Return On Capital (RAROC) and seeks to negotiate terms and conditions that align the Bank with the borrower’s risk profile, providing appropriate protection and triggers in the event of non-performance.

• Demonstrated ability to collaborate and take transaction/request ownership within deal team:
• Overarching responsibility for credit paper and ability to proficiently present deals well in terms of:

o “Right First Time” information base collection including, where available, customer prepared 3 way (profit and loss, balance sheet, cash flow) forecasts and budgets with key assumptions and profit drivers or, customer endorsed Bank prepared forecasts/budgets with clear underlying assumptions completed in conjunction with Borrower and their service providers

o Clearly and concisely articulates the proposed Transaction, rationale and source and use of funds (if applicable)

o c) Has a sound understanding of and ability to articulate:

• Business model and analysis
• Key risk identification

• Overarching responsibility for business risk, including:
• Facility maturities, excesses, ongoing covenant and compliance monitoring and reviews in a timely and sufficient manner as per Bank policy and procedure.

Competencies:

• Customer Focus – Engaging the customer in dialogue. Detecting and listing customers’ wishes and needs. Responding and anticipating to this, putting customer interest first. Thinking and acting from the customer’s perspective. Staying focused on creating added value for the customer (customer value) and improving the service provision.
• Partnership – Contributing to a joint result based on the philosophy of reciprocal value creation. Seeking collaboration and supporting others. Showing commitment to the joint objective and acting accordingly. Sharing information and knowledge with others. Achieving and connecting synergies.
• Deliver Results – Working actively and in a disciplined way towards achieving the agreed results and set goals. Working according to the principles of ‘right first time’ and ‘good is good enough’. Seeking challenges and identifying and creating opportunities to improve results.
• Communication – Delivers a strong and coordinated message. Ensures transparency.
• Initiative – Challenging self and others to pursue initiatives and take responsible risks with the objective of improving results. Making decisions and initiating actions based on a well-considered risk analysis. Daring to speak up and make choices. Taking responsibility for own decisions and choices.
• Commercial Orientation – Spotting opportunities in the market and capitalizing on them. Taking action to generate demonstrable added value. Delivering a result that benefits all parties involved, wherever possible based on a shared community interest.