Job Description

Job Title

Relationship Manager, Financial Restructuring & Recovery

About Us

Rabobank is the world’s leading specialist in food & agribusiness banking. One of our key strengths lies in our people who have a deep understanding of agriculture & are committed to adding long-term value for clients. Our commitment to our employees & clients is at the heart of everything we do.

The Role

Are you ready to make a meaningful impact by helping clients navigate financial challenges? Rabobank’s Financial Restructuring & Recovery (FR&R) team, part of our Line 2 Risk Management division has an opening for a Relationship Manager, Financial Restructuring & Recovery. Reporting to the Senior Relationship Manager, FR&R you will join a highly engaged team.

In this dynamic role, you will be responsible for the management & resolution of Country Banking clients across Australia who are experiencing financial difficulties or are in default. You will navigate complex situations that that require strategic thinking, resilience, & an ability to negotiate with both clients & stakeholders. Whether it’s working to build resilience within a business, delivering through sensitive financial restructures or leading legal recovery processes, your focus will be on delivering effective solutions

This role can be based in Sydney or Melbourne.

Top Role Accountabilities:

• Collaborating with clients & front-line Account Managers to develop & execute restructuring or recovery strategies. This will arranging & attending meetings with clients & Account Managers, formal correspondence, & ongoing progress reviews. Where agreement isn’t achievable, you will work with your Senior Relationship Manager to determine the best strategy to take forward
• Liaising with key decision‑making bodies across the Bank
• Reviewing client documentation other correspondence required under the Bank’s legislative obligations
• Assess & provide feedback on client requests
• Manage all stages of restructuring & recovery, including Farm Debt Mediation, asset sales, & debt reduction programs - seeking Senior Relationship Manager support where required
• Work closely with internal & external lawyers, providing instructions to implement restructuring actions such as security releases or asset disposals
• Engaging with insolvency professionals, including receivers & accountants
• Analysing financial & other client‑provided information
• Preparing internal reporting, including management committee reports, Credit Committee papers, APRA returns, audit materials & provisioning recommendations
• Preparing reviews & applications alongside Country Banking transaction teams; provide credit decisions where appropriate under delegation
• Liaise with stakeholders with stakeholders across the Risk Division & broader Bank to provide timely updates on the management of problem loans

To be successful in the role, you will have:

• 3 years + experience gained in a financial institution or reputable insolvency practice
• Experience in problem management & insolvency procedures within a complex environment
• Knowledge of insolvency procedures (particularly recovery proceedings) & problem loan management
• Understanding of legislative obligations & industry codes (e.g. FDMA, BCOP) as well as key TCF concepts in workout situations including (but not limited to) hardship & vulnerability
• Exposure to lending in Rural/Agricultural or Middle Market sectors
• The ability to influence & communicate effectively with internal & external stakeholders
• Excellent written, verbal & interpersonal communication skills
• Strong negotiation skills
• The ability to manage difficult situations with professionalism, sensitivity & tact

What we’re proud to offer you:

Rabo@Anywhere is our hybrid way of working at Rabobank & for Australia, that means we have a blend of time working between the office & home

Wellbeing leave. These 2 extra leave days support greater work/life balance & is just another way we are helping our employees to lead happier, healthier, & more fulfilling lives

Education Assistance Program. Rabobank values the development of its people & has a great Education Assistance Program to assist with professional development

Parental Leave that supports you & your family while giving you the freedom & flexibility to enjoy this special time (up-to 14 weeks paid leave)

Bonus and Additional Leave. We realise sometimes 4 weeks Annual Leave isn't enough! At Rabobank we provide an incentive for eligible employees to receive 1 extra week Annual Leave & an option to purchase another 2 weeks Annual Leave

Extra Insurance. Rabobank recognises that employees need to protect their financial wellbeing, in the event of serious illness, injury, or even death. Rabobank provides eligible permanent employees with employer-funded Death, TPD & Income Protection Insurance

Rabo Workplace Giving program. As part of Rabobank's global Corporate Social Responsibility, Workplace Giving aims to encourage employees to contribute to our community. Rabo Workplace Giving program matches employee donations to selected Social Partners

Our Values

Rabobank Australia values inclusion, belonging, & positive experiences for all. Our work environment, our benefits, & the way we live our values, “Client Driven”, “Responsible”, “Professional” & “Cooperative” make it a great place to work. We welcome applicants from diverse backgrounds.

Please let our Talent Acquisition team know if you need any accommodations to make our opportunities more accessible to you.