Lending Portfolio Management

4 maanden geleden


Amsterdam, Nederland ING Voltijd

We have a great opportunity to join Portfolio Management as VP. This is a mid-level lending professional role within the front office. As a key member of the Portfolio Management team, your responsibility is to actively manage the lending portfolio and optimize returns through strong analytics and capital velocity. On the team, you will be exposed to and work with different colleagues from several sectors, TM, CM&A, Risk and Legal whilst aligning with back office / support teams. At the same time, the Portfolio Management team plays a key role in further optimizing our processes for regulatory readiness, operational effectiveness and portfolio optimization.

**Responsibilities**:

- The Portfolio Management team will be the ‘center of excellence’ for the in-life management of ING’s lending exposure. It covers all activities post the initial funding to the final repayment of a lending transaction. As a front office department, it will closely collaborate with Origination & Structuring colleagues and product specialists to ensure a seamless client experience. The Portfolio Management function will be organised along product and sector considerations. Each portfolio manager will cover a set of portfolio clients and act as the first point of contact for the ongoing credit monitoring, analytics, internal risk and other reporting. Portfolio Management supports the identification of cross-buy opportunities and is also closely involved in the delivery of ING’s capital velocity targets. The team will be supported by Global Lending Support in Dublin and the ING hub in the Philippines. Together with Tribe Lending and CLEC, it will be a key driver of improving processes, standardisation, and digitalisation across Lending.
- The specific responsibilities of a VP include actively managing all facets of the individual files booked in your dedicated portfolio, including but not limited to:

- Quarterly and annual credit reviews;
- Process amendment and waiver requests, write or review credit modifications, submit to risk and address Q&A, follow-up on the required legal amendments to the documentation until execution;
- Review annual risk rating updates prepared by an administrative support team;
- Diligent and proactive credit monitoring through the review of all financial covenants and operating performance (e.g. financial models, proforma adjustments, key drivers, etc.) and track compliance of covenants prepared by an administrative support team
- Identification and resolution of Early Warning Signals for a deterioration in credit quality
- In addition, a VP will monitor and identify market developments and proactively manage their potential impact on your portfolio by
- Preparing and maintaining reports as requested by regulators or internal stakeholders;
- Preparing quarterly Credit Risk Management (“CRM”) portfolio reviews;
- Maintaining various department and industry databases/trackers;
- Maintaining internal portfolio tracking metrics;
- Responding to ad hoc internal requests on portfolio composition and exposure;
- Coordinating and working with offshore portfolio support teams;
- Managing lending limits and Capital Velocity programs.
- A VP will take active part in the various Virtual Client Teams by
- Interfacing with relationship managers and sector specialists to ensure an active dialogue on credit trends, challenges and opportunities for individual clients;
- Contributing to idea generation for value added cross-buy or client opportunities.
- A VP is expected to build a culture of operational excellence by
- Staying up to date on organizational operating policies and procedures (i.e. Risk, Legal, etc.) to ensure appropriate protocols are implemented and followed, and facilitating accordingly;
- Contributing to the implementation of strategic initiatives, including enhancements to the credit monitoring process to improve business efficiency;
- Identifying productivity trends across the Front Office organization and using insights from reporting to create and drive efficient processes and improve productivity;
- Supporting the implementation of transformation projects;
- Coaching more junior colleagues in their personal and professional development.

**Qualifications and Competencies**:
**Qualifications / Education**:

- University degree major in business/economics, law or relevant business discipline. CFA and/or MBA a plus

**Experience / Knowledge**:

- 5+ years of relevant credit analysis experience in the banking industry.

**Competencies**:

- Collaborative and inclusive team player with consistent high marks on Orange Code behaviour; embracing diversity and cross-cultural awareness and able to work effectively across functions;
- Strong financial and credit analysis capabilities;
- Excellent presentation and communication skills;
- Collaborative and able to work effectively across functions and regions;
- Ability to thrive in a fast-paced environment with multiple competing priorities;
- Commi



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