Director - Credit Risk Management - Wholesale Banking

ING Australia’s high-performing Wholesale Banking & Commercial Real Estate Credit Risk team is looking to hire a Director, Credit Risk Management to support our growing Wholesale Bank in Sydney.

We are looking for an experienced senior credit risk professional to play a critical role in the management of a diverse and complex portfolio within the wholesale banking and institutional lending space. An influential and capable individual, who can positively impact the risk profile and strategic direction of ING Australia’s institutional lending proposition, which encompasses a broad range of sectors including Project and Infrastructure Finance, Energy, Diversified Corporates, Metals & Mining, Natural Resources, Technology/Media/Telecoms, Leveraged Acquisition Finance, Financial Institutions, Food & Agriculture, and Real Estate Finance.

You will have primary responsibility for the management of the Wholesale Banking credit activities of ING Australia, including transactional credit assessment, transaction & security documentation acceptance, credit policy and risk appetite setting, regulatory reporting, portfolio monitoring and stakeholder relationship management. Being a business-critical role, you’ll have demonstrated capabilities of managing multifaceted deals and be ready to take on the challenges that the breadth of the book brings.

Ready to make an impact?

What you’ll do

• You will regularly work with complex structures and borrowers on competitive timelines
• Review / evaluate credit proposals for acceptability of credit, structural and legal risks and adherence to current ING credit and governance policies
• Provide approval or recommendations on credit applications for new transactions, modifications and reviews, to the appropriate approval authorities in ING Australia and / or ING Group
• Review and agree underlying transactional and security documentation
• Monitor performance of the portfolio against tolerance settings and risk appetite boundaries
• Work closely with various Wholesale Banking teams, to develop credit risk policies, and risk appetite boundaries and parameters
• Manage all aspects of the Watch List and Non-Performing Loan portfolios. This will include monitoring, reporting, loan loss provisioning and directing the Restructuring & Recovery activities
• You’ll engage and actively liaise with key external stakeholders, senior management, external stakeholders and the ING Australia Executive Committee

What we’re looking for

• 7-10 years + at a senior level in either a Wholesale Banking or Institutional Lending credit risk role in either domestic or international banks operating in the Australian institutional banking markets, where you will have had responsibility for recommending or decisioning (within own delegated authority) on requests for new transactions, modifications and annual reviews, in addition to review of transaction and security documentation
• A strong Energy and Infrastructure Sector background, including experience in sectors such as Corporate Lending and Food Beverage and Agriculture
• Experience on restructuring and recovery cases and engagement with the loan loss provisioning process
• The ability to act in a senior and managerial advisor capacity for the view of reaching strategic decisions

What’s in it for you?

• Discounted ING Health Insurance
• An additional Rest Day to support your wellbeing
• An IMPACT day to volunteer on approved sustainability activity

About Us

At ING, we’re all about making life simpler and more rewarding - for the people who bank with us, the team members who work with us, and the communities we’re proud to support. Joining ING means stepping into an environment where your individuality isn’t just welcomed - it’s celebrated. We’ve built a culture that’s fun, inclusive, and supportive, giving you the freedom to be yourself, so you can do your thing.

Whether you’re taking ownership of exciting projects, thinking outside the box, or working with global colleagues, you’ll find ING is the kind of place where growth isn’t just a possibility; it’s a promise. As a WGEA Employer of Choice for Gender Equality and Family Inclusive workplace, you’ll feel the difference in how we value and champion our people.

We make hiring decisions based on your skills, capabilities, and how you align with our values - not on ticking every box. So, if you’re interested but don’t meet all the criteria, we encourage you to apply. We’re invested in fostering a diverse and inclusive workplace where everyone feels like they belong. We’re your allies in helping you do your thing during the recruitment process, so let us know (email below) if you require any support or adjustments when you apply  

Sound like your kind of vibe? We can’t wait to hear from you!

(One last note: We operate using a direct talent sourcing model, so no agency introductions, please.)

ING is Australia’s most recommended bank according to RFI Global’s Consumer Atlas Survey, January–June 2025 (n = 29,510) when compared to customers of the 10 largest ADIs operating in Australia.

Need more?

Contact: Mark Montgomery email: mark.montgomery@ing.com

For support and adjustments, including DEI, LGBTQI+ confidential application support enquiries: rpoteam.au@ing.com

Applications close Monday 6th April 2026

Before you apply
Here at ING we consider employee development to be important and encourage existing employees to apply for suitable internal positions. It is expected that any employee applying for a vacant position would have been in their current role for a minimum of twelve (12) months before applying. This may be waived in special circumstances and after consultation with your Manager

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