Associate Director Wholesale Credit Analyst

Are you an experienced credit professional who enjoys getting under the skin of complex transactions, challenging assumptions and influencing commercial outcomes? This Auckland-based opportunity puts you close to the decisions that matter, within a collaborative Wholesale Banking team with strong momentum and a clear growth agenda.

Rabobank is the world’s leading specialist in food and agribusiness banking. Across Australia and New Zealand, our Wholesale Banking franchise supports large and complex corporate and institutional clients across food and agribusiness, commodities and the energy transition.

Our success is built on deep sector knowledge, long-standing client relationships and a strong risk culture.

About the role | Mō te tūranga

We are looking for an Associate Director Wholesale Credit Analyst to join our Wholesale Banking team in Auckland. In this role, you will combine credit risk expertise, financial analysis and commercial judgement to support complex lending decisions, manage portfolio risk and help deliver strong client outcomes.

As a trusted risk partner, you will be responsible for the analysis, assessment and ongoing management of a portfolio of Wholesale Banking clients. You will provide clear, independent credit insight while partnering closely with Relationship Managers, Product Specialists and Risk colleagues to support sustainable business growth within the bank’s risk appetite.

This is a front-line credit role with genuine influence. Your work will directly shape lending decisions, portfolio quality, client strategy and the strength of the control environment. You will also have exposure to a high-quality, diversified wholesale portfolio and the opportunity to contribute to a high-performing team within an established and growing franchise.

Key responsibilities

• 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.

About you | Ō pūkenga

You are a highly analytical and commercially minded banking professional who can assess risk with discipline while keeping sight of client outcomes and business growth.

You are confident working with complexity, clear in your communication and comfortable influencing stakeholders through thoughtful analysis and sound judgement.

• 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.

Qualifications

• Degree in Finance, Accounting, Economics, Commerce or a related discipline.

• A postgraduate qualification such as CA, CFA, MBA or similar will be highly regarded.

This is an opportunity to join a capable, high-performing team that is close to the business, valued for its judgement and trusted to help shape important client decisions.

You will work on meaningful transactions, develop deep sector and portfolio insight, and be part of a franchise that continues to invest, grow and make a real impact in the markets it serves.

In return we can offer you:

This is a fantastic opportunity to join a values-driven organisation with an ambitious growth strategy. We have a workplace culture that our people are proud of, where we embrace inclusion and belonging and strive to deliver positive experiences for our people and clients. 

In addition to a competitive salary, we offer a range of perks and benefits, including personal and professional development opportunities, health and wellbeing initiatives, additional leave benefits, a flexible workplace and insurance and financial benefits. 

If you are interested in Growing a better New Zealand together (kia ngātahi te tipu o Aotearoa) please follow the link and apply online or visit www.rabobank.co.nz./careers.

Applications close Tuesday 28 July 2026

Our Values | ō mātou uara

Rabobank believe embracing inclusion, equity and belonging delivers positive experiences for our people and clients.  Our great working conditions, broad learning and development programmes and the opportunity to work together for the greater good are reasons why our employees love working here.

At Rabobank New Zealand, we are committed to our values; we are client-driven, we take responsibility, we are professional and cooperative.   We have an open culture, where you can be yourself and be valued for who you are.  All qualified applicants will receive consideration for employment without regard to ethnicity, sex/sex characteristics, gender (Inclusive of all genders), gender expression, sexual orientation, religion, disability, age, or other diversity characteristics not mentioned.  We are proud to be an equal opportunity employer. Together, we can grow a better world.