Risk Officer Transaction Approval - Lease and Commercial Finance

We are looking for a dynamic and eager banker to work in the Sector team responsible for the TRATL portfolio with a specific focus on the Asset Based Finance (ABF) product propositions of ING Lease and ING Commercial Finance. You are responsible for advising and managing client transactions from originating to closing from a credit risk perspective. You are the primary point of contact for front office for your portfolio and you safeguard the risk appetite of the bank in balance with a sound commercial sense. You are product and sector expert and exhibit deep specialized knowledge on the relevant sectors, markets and products of ING Lease and ING Commercial Finance.

The team

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 with the day-to-day managed by the Principals of TRATL and ABF.

Roles 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

• Working closely with front office peers and relevant support departments

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

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.

We are looking for

• 3+ 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 and product knowledge and ability to link this 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. You can find out more about our employment conditions at https://www.ing.jobs/netherlands/Why-ING/benefits.htm

The benefits of working with us at ING include :

• A salary tailored to your qualities and experience

• 24-27 vacation days depending on contract

• Pension scheme

• 13th month salary

• Individual Savings Contribution (BIS), 3.5% of your gross annual salary

• 8% Holiday payment

• Personal growth and challenging work with endless possibilities

• An informal working environment with innovative colleagues

• Work Agile, so new ideas come to life faster

About us

With 60,000 employees and operations in approximately 40 countries, there is no shortage of opportunities for people with initiative who want to help people take a step ahead in life and in business. Do you want to work at the cutting edge of what’s possible and at the same time ensure you work with integrity and hold the customer’s interests at heart? Do you want to be surrounded by progressive, inspiring, diverse and supportive colleagues? Then there is no better place to invest your talents than at ING. Join us. Apply today.