Analyst Specialized Lending

This is what we offer you

• Thirteenth month's salary and 8% holiday allowance
• 10% Employee Benefit Budget
• EUR 1,400 development budget per year
• Hybrid working: balance between home and office work (possible for most roles)
• A pension, for which you can set the maximum amount of your personal contribution

Do you get energy from working in an environment that challenges you to stretch yourself and learn new things every day? Do you have affinity for more structured wholesale lending products, and do you possess a strong customer focus? We are now looking for a new Analyst to join our Specialized Lending team. Read further and apply!

You and your job

Imagine working on a variety of challenging projects and complex transactions for large corporate clients and financial institutions. Being an analyst within Specialized Lending (SL) offers the opportunity to truly make a difference for our clients, while simultaneously having a steep learning-curve. Working at SL will make you an all-round lending professional, as you are actively involved in structuring and executing transactions related to (i) Junior Capital and/or (ii) Structured Solutions. Collaboration is at the heart of all that we do, which is portrayed in our close cooperation with all the other lending teams for every transaction. Within the SL team, talented and high-performing people are brought together to analyse complex client challenges, consider potential solutions from various angles and structure (tailored) financial transactions that meet the company’s needs and wishes.

The Junior Capital pillar of the team focuses on subordinated debt and equity-like solutions (e.g. HoldCo debt, PIK debt, mezzanine debt, second lien debt). These products can support client growth without diluting existing shareholders and increase debt capacity as it provides buffer to senior lenders. The Structured Solutions pillar of the team focuses on customised and innovative financial solutions for pressing complex challenges (e.g. vendor finance, off-balance sheet finance, impact/sustainable finance, fund finance). These products can address a wide variety of financing needs for our key clients, in line with Rabobank’s strategy to support the food transition, energy transition and banking for the Netherlands.

Our team revolves around providing our clients with innovative structured solutions on both sides of client’s balance sheet, to which you contribute by means of:

• Analysing prospects/clients’ financial information and/or new (macro)economic developments, reporting standards, regulations or other market dynamics to identify transaction opportunities
• Analysing complex client challenges and brainstorm together about potential solutions to overcome these in a financial structure that is attractive from a risk-return perspective to both the client as well as Rabobank
• Preparing client presentations for pitching new transactions and/or innovative financial structures
• Supporting the structuring and execution of new transactions in collaboration with your deal team e.g. by conducting due diligence, providing structuring input for credit applications, and reviewing transaction documentation
• Stakeholder management by maintaining contact with clients, as well as with other departments involved including coverage bankers, colleagues from risk and legal, and other lending teams

We achieve more together than alone

You will be based in the Netherlands within our broader European & Asian team. Our team consists of 15-17 diverse colleagues, each specializing in different focus areas within our two main pillars. 11-12 colleagues are based in Utrecht, 2-3 in Dublin and 2 in Asia (Hong Kong and Singapore). Most importantly: we have a fun team with people who like to support each other and engage in numerous social activities together!

"Working in Rabobank's Specialized Lending team allows you to develop your problem-solving skills by analysing client challenges, brainstorming about potential solutions and executing the most optimal financing structure. Together with other lending teams, you are involved in transactions from pitch to closing"

Demi Baks, Associate

At specialized Lending you will develop/improve the following key skills:

• Analyse financial models and determine bankability of client’s business model
• Collaboration with other teams within the bank
• Complex problem solving
• Get acquainted with more structured, innovative financial solutions: junior debt, structured finance, sustainable finance solutions, etc.
• Gain experience in the execution lending process (including the preparation of internal transaction engagement and credit requests, drafting of term sheets, review of legal documentation, client negotiations etc) and ongoing transaction maintenance and monitoring

You and your talent

Would you describe yourself as a team player, do you like complexity in your work and can you think creatively in solving problems for our clients? We are looking for a proactive go-getter to join our team. Next to this, you preferably bring the following:

• Have 1-3 years’ experience in a wholesale lending/debt capital market environment
• Master’s degree level preferably in finance or economics
• Have a strong foundation knowledge of (Corporate) Finance and the fundamentals of accounting, tax and corporate law
• Ideally have experience in credit analysis
• Must have well developed skills in Excel (for financial modelling) and PowerPoint (for pitch book writing)
• Are fluent in written and spoken English and preferably one other major European language (German, French, Spanish) or Dutch
• Can work on several projects / transactions in parallel in which they take responsibility for process management and connecting with other wholesale product and risk management teams in the Bank
• Have a strong customer focus and attention for detail
• Analytical, inquisitive, enjoy problem solving, embrace complexity and can demonstrate a talent for lateral thinking
• Team player
• Gets energy from working in an environment that challenges them to stretch themselves and learn new things every day!