ING
Senior Associate - Portfolio Management - Wholesale Bank
Empowering people to stay a step ahead in life and in business.
Banking and investment
Full-time
Office | Sydney, NSW, Australia
Visa sponsorship · No
Senior · A role for someone with advanced knowledge and skills. May involve mentoring, leading others or specialisation. Typically at least 5 years of experience.
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Why ING
ING is a pioneer in digital banking and on the forefront being one of the most innovative banks in the world. As ING we have a clear purpose that represents our conviction of people’s potential. We don’t judge, coach, or to tell people how to live their lives. However big or small, modest or grand, we empower people and businesses to realize their vision for a better future. We made the promise to make banking frictionless, removing barriers to progress, and make people confident in their financial decisions. As a global bank we have a huge opportunity – and responsibility – to make an impact for the better. We can play a role by financing change, sharing knowledge, and innovating. Being sustainable is in all the choices we make—as a lender, as a partner and through the services we offer our customers
About the role
As a key member of the PM team, you will actively manage the lending portfolio (primarily in Australia) and optimize returns through strong analytics. You are the ‘centre of excellence’ for the in-life management of ING’s lending exposure. This means covering all activities post the initial funding to the final repayment of a lending transaction. As part of the front office department, you will closely collaborate with sector-based origination & structuring colleagues, transaction management colleagues, and other product specialists to ensure a seamless client experience. 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. We are particularly interested in candidates experience in the Energy or TMT&H sectors.
Ready to make an impact?
What you’ll do
- Manage a portfolio clients across various sectors including but not limited to energy, technology, media & telecom, healthcare, real estate, infrastructure, food, beverages & agriculture
- Process high-quality annual reviews and modification requests, which includes fronting Q&A discussions with Risk colleagues and other approval mandate holders.
- Negotiate legal documentation in consultation with internal and external legal counsels.
- Diligent and proactive credit monitoring (with the support of ING hubs) through:
- Reviewing risk ratings of your portfolio of clients under ING’s rating model systems – annually or upon identifying an event trigger.
- Tracking financial covenant compliance
- Identifying and managing credit deterioration on a single-name or portfolio level, through the use of Early Warning Signals
- Support capital velocity (balance sheet optimisation) initiatives associated with the underlying loans including primary and secondary loan (or loan portfolio) sales, credit risk insurance or participations, loan-backed securitization and significant risk transfers
What we’re looking for
- 4+ years of relevant lending execution and/or credit analysis experience in the banking industry. Prior exposure to Energy or TMT&H sectors is a huge plus
- Bachelors’ degree with preferably major in business/economics/finance/law
- Strong financial and credit analysis capabilities
- Strong Excel skills with the ability to operate, maintain, and take independent charge of complex financial models
- Excellent analytical and communication skills
- Knowledge of lending legal documentation
- Ability to thrive in a fast-paced environment with multiple competing priorities
- Ability to operate within ambiguity
- Willingness to go above and beyond for the sake of the team and clients
- A self-starter who is comfortable working independently and as part of a team
What’s in it for you?
- Drop everything and learn with over 16,000 professional and personal development courses to choose from
- Discounted ING Health Insurance
- An additional Rest Day to support your wellbeing
What you'll be responsible for
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Investment Sourcing
Sourcing new investment opportunities by identifying and evaluating market opportunities
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Investment Communication
Prepare reports and presentations to communicate investment research and investment decisions to key stakeholders
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Investment Relationship Management
Build and maintain relationships with clients, understanding their investment goals, and presenting investment recommendations
Skills you'll need
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Decision Making
Considers the costs and benefits of potential actions and determines the most appropriate one
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Results orientation
Focuses on outcomes and the steps it takes to achieve them
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Flexibility
Copes with changes and ambiguity in varying circumstances and can adapt behaviour effectively
Meet the team
