Credit Officer

Transaction Advice & Control (TA&C) within ING Wholesale Banking is responsible for the analysis, advice and decision making of transactions for our clients. This is done by risk managers (SCOs and Credit Officers) who have a thorough understanding of credit structuring, credit risk, credit policies, businesses & markets, and ESG related risks. In addition to the client-by-client approval process, risk managers are responsible for portfolio monitoring and advising senior management on strategic directions in terms of risk appetite and portfolio steering.

The team covering TMT&H and Acquisition Finance (AF) is looking for a Credit Officer. In this role, you will be responsible for portfolio management activities for different Product and Sector portfolios. The deal flow is high, allowing you to gain exposure to all aspects of credit risk management and Wholesale Banking’s risk appetite. As you develop and demonstrate your capabilities, opportunities for increased responsibility will arise.

The team

TA&C Amsterdam employs approximately 75 people and is organised in six teams:

- Energy, Transportation & Logistics
- Real Estate Corporate Sector Lending, WCS, BMG and Infra & Construction
- Commodities, Food and Agri
- TMT&H, Acquisition Finance, and Asset Securitization
- Environmental & Social Responsibility

Our team is dynamic and works closely with Front Office colleagues across EMEA. Timelines are often demanding, making flexibility and a can-do mentality important. Within Acquisition Finance and TMT&H, we regularly work together with LDG and DCM teams. Team spirit is highly valued, and it is natural to support fellow TA&C colleagues when needed. The team consists of approximately 10 FTE. The position is based in Amsterdam and reports to the Team Lead. You will work closely with Product and Sector SCOs and act as a point of contact for Front Office teams on the respective portfolios.

Roles and responsibilities

In this role you will:

- Support SCOs on new transactions and act as the second point of contact for Front Office teams.
- Manage product and sector portfolios, including risk ratings, annual reviews, early warning indicator monitoring, and watch-listed files.
- Conduct ad-hoc credit assessments on topics such as the energy crisis, geopolitical conflicts, and tariff implications.
- Ensure the quality and policy consistency of credit applications and other submissions within ING systems.
- Maintain strong relationships with Front Office teams and other stakeholders.
- Contribute to department-wide projects focused on sector analysis, reporting, climate change and initiatives that improve the effectiveness and efficiency of the credit risk management function.
- Support portfolio monitoring activities and contribute to advising senior management on risk appetite and portfolio steering.

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.

- Understand different business models, market dynamics, financial analysis and credit structuring.
- Be curious and ask questions to identify and understand the most material risks.
- Think independently and be comfortable providing a different point of view when appropriate.
- Communicate clearly and concisely, both verbally and in writing, while maintaining a collaborative approach.
- Be a self-starter with a hands-on and proactive attitude.
- Manage multiple tasks simultaneously and perform effectively under pressure.
- Build and maintain strong relationships with Front Office colleagues and other stakeholders.
- Demonstrate flexibility and a team-oriented mindset.
- Have knowledge of ING’s credit risk processes and policies.
- Bring experience in Front Office and/or risk management environments.

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. Find out more about our employment conditions.

The benefits of working with us at ING include:

- 25-28 vacation days depending on contract
- Pension scheme
- 13th month salary
- 8% Holiday payment
- Hybrid working
- Personal growth and challenging work with endless possibilities
- An informal working environment with innovative colleagues

About us

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Questions

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