Risk Manager Transaction Approval

The Team

Our department employs ~50 persons and is organized over three clusters:

• Portfolio (SME + Midcorp ≤ €5m of lending assets)  

• Sector  (Midcorp teams)

• Specialized Lending (Private Lending + Real Estate Financing + Structured Debt & Equity)

Sector consists of 20 FTE, divided among 3 teams:

• Trade, Retail, Automotive, Transport & Logistics (incl lease/comfin)

• Industry, Construction, Public & Healthcare (incl lease/comfin)

• Food, Agriculture, Leisure & Services (incl lease/comfin)

We are looking for a dynamic and eager banker to work in the team responsible for Sector. The Senior Risk Officer (SCO) is responsible for advising and managing client transactions from originating to closing from a credit risk perspective. In addition, the SCO manages the credit risk of the respective portfolios. The SCO is the primary point of contact for front office for her/his portfolio and safeguards the risk appetite of the bank in balance with a sound commercial sense. The SCO is the product/sector expert and exhibits deep specialized knowledge on the relevant sectors, markets and/or products.

We are a dynamic team, cooperate with Front Office, focused on taking responsible credit risks and working closely together, stepping in for each other where needed. The timelines of requests are usually demanding hence flexibility and a ‘can do‘ mentality is important. If suitable, increased responsibilities will be granted to make sure the personal learning curve is sufficiently steep. The primary language in our team and with our stakeholders is Dutch, so fluency in this language is essential. Your position will be based in Amsterdam and you will report to the lead Sector.

Role and Responsibilities

• Recommending and deciding on credit applications for new transactions, modifications and reviews

• Establishing of and/or advising on risk appetite for the relevant portfolios or products

• Developing and maintaining relationships with (senior) management and other relevant internal and/or external stakeholders

• Ensuring the quality, policy compliance and consistency of the credit application and that transactions meet the conditions of approval as set out in the credit process

• Closely monitoring the portfolio in your focus sectors and proposing corrective actions and improvements to senior management

• Further enhancing the portfolio monitoring if and where desirable

• Acting as a back-up for other teams within Sector

• Working closely with front office peers and relevant support departments

• Training and coaching of junior team members

• Participating in projects and actively providing input/developing relevant risk policies and reports

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How to succeed

We hire smart people like you for your potential. Our biggest expectation is that you’ll stay curious. Keep learning. Take on responsibility. In return, we’ll back you to develop into an even more awesome version of yourself.

• At least five years of experience in a lending environment, excellent credit analysis skills and a good understanding of legal documentation

• Strong personality, self-starter, hands on, with ability and eagerness to learn and high integrity standards

• Display seniority and persuasiveness

• An independent thinker, not afraid to provide a different point of view and open to the exchange of ideas

• Team player, social, enjoying collaboration across the bank and committed to help others

• Willingness to invest in specialized sector knowledge and ability to link this sector expertise with current sector trends

• Affinity with data, data analysis and automated credit decision making automation

• Good communication skills (verbal and in writing), and fluent in Dutch and English

• Preferably an academic background (Msc) in e.g. Finance, Business or Economics

Rewards and benefits

We want to make sure that it’s possible for you to strike the right balance between your career and your private life. Find out more about our employment conditions.

The benefits of working with us at ING include:

●          A salary tailored to your qualities and experience

●          25 - 28 vacation days depending on contract

●          Pension scheme

●          13th month salary

●          8% Holiday payment

●          Mobility Card

●          Hybrid working

●          Personal growth and challenging work with endless possibilities

●          An informal working environment with innovative colleagues

About us

Curious about how ING empowers people and businesses to move forward? Discover what we do and what we can offer you.

Questions?
Contact the recruiter attached to the advertisement. Want to apply directly? Please upload your CV and motivation letter by clicking the ‘Apply’ button.

We are looking forward to your application!