Analyst

The Retail Banking Operations in ING’s largest shared services organization (ING Hubs Philippines) is growing rapidly – delivering processing and contact center services to our banks globally. Our ambition is to provide excellent Customer, Partner, and Employee experience while keeping the bank safe and continuously improving on our performance and culture.

ING is looking for a colleague with the talent to take something on and make it happen, who is enthusiastic about helping others be successful and has the gift of always being one step ahead and a person who always collaborates, listens, and invests in others to achieve shared goals.

Overview:

As part of the Belgium Personal Lending in Life Mortgage Team, you will be responsible for the execution of the end-2-end standard customer requests, assignments, and administration.  Including optimizing the operation of the self-organizing team.

You are expected to abide by international rules relative to compliance and operational risk.  Working in Lending Services means that you’ll need to process the requirements of the function and perform various structured routine operational task in a standard work environment.  You’ll work hand in hand with both teams providing services from Manila as well as with our business partners globally to ensure service delivery.

Responsibilities/Expectations from the Role:

Release of Cover: An RoC request is initiated by a notary at the request of the customer:

• The customer wants the bank to release the mortgage registration taken in the past (taken to cover the risk of the mortgage loan granted to these same clients).

• In many cases, the bank requests the repayment of the mortgage loan linked to the property to obtain the release of cover. Following the request, the bank sends its condition of release.

• After that the notary will make the payment and then the bank reimburses the loans and delete the collaterals. The release of cover is often requested in the context of a sale of property or a refinancing of loans at another bank.

  • Calculation settlement.

  • Follow decision process.

  • Release mortgage registration

  • Verify reimbursement.

  • Modify and update cover in tools.

  • Communication to notary/client through template.

​ Release of Funds: Process whereby the amount borrowed of a mortgage loan for construction or renovation of a building is made available:

• Check that the invoices were actually used for the construction or renovation.

• Note the result of the verification and process the release of funds on the account of the customer, or the contractor OR advise the customer that the funds cannot be released for a certain reason.​ Communication to client through template.

​ Finalization:

• Bon pour Grosse: Follow-up of notarial deeds, actions to be taken on receipt, check the data in the documents such as the description of the property, surface area and cadastral references. Archive the document in LOP. Execute required modification in the tools. Activate credit. Reminders when the document has not been received.​ Communication to notary through template.

• Fixing the deed date: Go through the different required tools in order to encode the deed date and confirm to notary via the tool itself (automatic template).

• Verification of Offer Letter: Process whereby members check if all documents from Offer Letter (final contract, amortization table, salary cession) are correctly signed and fulfilled.

If you are:

1. A College graduate or equivalent professional working experience in Credit/Lending domain, ideally in a Shared Service or BPO environment.

2. A professional and mature individual displaying the following behaviors and competencies:

• You are analytical, flexible, open-minded, a team player.

• You are able to deal with tight deadlines.

• You are proficient in spoken and written English.

• Knowledgeable in MS Office

• Able to adapt in a fast-paced working environment.

Problem Solving:

• Able to perform standard operations.

• Able to perform standard payments correctly.

• Able to execute quality checks.

• Stay abreast of developments within own field.

• Is bound by (standardized) work process instructions and (standardized) scripts.

• Reports incidents linked to products and services.

• Acts independently in executing customer requests, making standard payments and improving workmanship.

• Appeals to supervisor/other CLT members for advice and support in performing new or non-standard operations.

Communication - Daily consultation with team members regarding work progress and more complex files

• Willing to obtain the required certification as required for the role (Febelfin Certification). Willing to work on mid to night shifts, different rest days, weekends, holidays and render overtime as needed.

If you want to:

• Work in Makati, the country’s economic center.

• Enjoy competitive compensation and allowances.

• Be part of one of the most innovative and exciting digital banks in the world.

• Be part of a diverse, creative, and energized team.