Risk Officer II Rural

JOB TITLE

Risk Officer II Rural

Summary

The Risk Officer (RO) function within Rural is an independent and proactive risk management role within the second line of responsibility, with the aim to facilitate, monitor, challenge, and support the business in realizing its strategic ambition to grow the Rural portfolio, including delegated approval authority.

The RO operates within a robust risk framework and culture where the business takes first-line responsibility. The RO challenges the first line of responsibility and engages with Second / Third Line on a timely and proactive basis to achieve and maintain a high-quality portfolio by reducing credit and operational losses, ensuring that risks (financial and non-financial) are properly identified and addressed, and that trends are recognized and acted upon.

The Risk Officer engages with the business at a transaction level, providing initial risk input and ultimately making risk decisions within delegated approval authorities or providing risk advice to approving authorities on submissions. At a portfolio level, the RO supports the review and monitoring of portfolio trends, risk culture, concentration risks, sector developments, and market dynamics, contributing to the identification and escalation of emerging risks and Red Flags.

The Risk Officer collaborates with business stakeholders and risk colleagues to promote sound risk management practices, support adherence to policies and procedures, and contribute to risk-related projects and initiatives.

Risk Officers are expected to perform their responsibilities with an appropriate level of independence and professional judgment, handling routine and moderately complex credit decisions within their delegated authority while seeking guidance on highly complex or exceptional matters. Regular managerial support and oversight may be required depending on the nature and complexity of the activities performed.

Main responsabilities

Main requirements

Bachelors or Masters degree in business, economics, engineering or related areas;

At least 5 years of experience in credit analysis. Experience in a Risk Officer function, credit risk management, or second-line risk activities is a plus;

Fluent skills in English;

Credit and banking knowledge and Product/market knowledge;

Customer Focus, Result Focus, Cooperation, Impact, Judgment, Initiative,

Decisiveness, Independent and challenging, Accountable.

We believe that diversity and different perspectives enrich our world and our efforts to build a better world.Everyone is welcome to apply for positions at Rabobank Brazil.