Lead Lending region Noord-West/Business Banking Midcorps

Organisatie
ING
Locatie
Amsterdam
Opleidingsniveau
WO
Arbeidsvoorwaarden
Marktconform

What exactly the position of Lending lead for the north-western region entails

In the position of Lending lead, you have final responsibility for all (general) lending activities within the various Client Service Teams (CSTs) of the north-western region, one of the four regions at Business Banking. The CSTs serve our MidCorporate customers and prospects according to Business Banking’s relationship model. You manage the Lending specialists within your region directly and as a supervisor with operational involvement. You ensure a uniform way of working and an end-to end working method. You also facilitate and inspire your employees in achieving their ambitions. You further professionalise your team, work to achieve high quality and facilitate the best possible collaboration. Accepting personal responsibility and self-management are central to this.

You are not only responsible for the application process, but also for proactive credit management and risk reward in relation to the total lending portfolio in your region. You are also responsible for ensuring that changes and (strategic) projects in lending are implemented in a uniform and structured way within your region. As a lead, you are also part of the national Lending lead team where you will contribute ideas to shape the lending strategy.

In addition to your duties as a manager, you help the CSTs handle complex and high-value credit applications. In this role, as a commercial and expert specialist, you are the authority in the field of business lending. You coordinate with colleagues from the other LEF teams (SAF and SL Lease, Commercial Finance, Real Estate Finance, Risk Management and Financial Markets, among others). You are also responsible for proactive credit management and risk reward in the context of the customer portfolios assigned to you.

And last but not least, you are a role model and an enthusiastic ambassador of the Orange Code. Not only do you endorse it, you also actively promote it.

Specific demands of this job

For this position fluency is Dutch is a requirement. As the Lending lead in the north-western region, you have broad responsibilities and handle varied tasks. Given the ambitions of Business Banking, you need extensive personal and professional competencies to perform as well as possible in this role. The key elements are summarised below:

You are an excellent leader.

· You have final responsibility for the overall credit application and management process within the lending chain in your region, and you encourage end-to-end responsibility within your team.

· You facilitate the Lending specialists in your team in their roles within the CSTs and inspire the various CSTs in achieving their ambitions in terms of growth, proactive customer credit management and customer satisfaction.

· As a direct manager, you coach and evaluate the Lending specialists in your team.

· You encourage your people to come up with data-driven insights in order to offer customers surprising solutions and give them outstanding advice.

· You are part of both the lead team for the region and the Lending lead team, and also (proactively)

involved in the (strategic) agendas of these lead teams.

You are the commercial and expert specialist on business lending (MidCorporates).

· You are an authority in the field of business lending and have wide-ranging knowledge of Event Finance, Lease, Commercial Finance, Real Estate Finance and Financial Markets. You are also well informed about alternative forms of financing. Based on your knowledge, you are able to match the right structuring approach to the customer’s requirements.

· You may assume the role of deal coordinator for a customer application, coordinating and structuring the

deal from A to Z. You quickly identify with the specific needs of the customer, placing them appropriately in the business model. You analyse and model the financial position of the customer based on advanced tooling and advise the deal team on the best possible financing structure. You then create the credit proposal, including the rating, the margin and rate selection,

and play a key role in the authorisation process and collaboration with Risk.

You actively monitor developments, trends and innovations in the field of lending in the relevant sectors. And you actively pursue the opportunities you see in the market.

· You have a good understanding of the impact of certain financing choices on RWA pricing and risk models, and you choose a structure that achieves the ideal mix for both the customer and ING.

Based on your expertise, you can act as a sparring partner at various levels when discussing lending, for example, in discussions with directors, CFOs, controllers or shareholders.

- You react quickly in deal processes, in interaction with the customer, but also when coordinating with debt advisers and internally with risk management.

You are skilled in proactive portfolio management.

· You and your team are the point of contact for debit clients who have questions about or wish to change their financing agreement. You independently review applications for material changes, such as

repayment, securities, restructuring and/or cancellations. You discuss the different options with the customer and implement the process internally within the bank.

You inform customers and colleagues about imminent policy or legislative changes in relation to relevant business lending issues and ensure proper follow-up of project-related actions.

· Together with your team, you ensure early identification of risks, you ensure adequate follow-up through periodic substantive assessment reviews and you act on Early Warning Signals (EWS). You receive signals from other channels and systems that affect the customer’s loan, for example overdrafts and cancellations, correction entries, limit reinstatements, blocks and you handle this personally, or ensure appropriate handling by the teams with which you collaborate such as the CLTs.

· In collaboration with Risk Management, you are involved in managing Watchlist reports. Your role here is to ensure that the interests of all the stakeholders are carefully weighed up.

Your talent

You are a colleague with the talent to take us forward. Your enthusiasm makes all the difference to our ability to maintain our lead. You come up with fresh ideas in response to the challenges we face at ING. That is what a complex and rapidly changing environment calls for. You assert yourself and surprise us with your creativity in every sense. You communicate clearly and convincingly when doing so, are flexible in the style you adopt, show a sense of humour and are a real connector. You are interested in the development of the people you work with and help them get a step ahead.

This challenging position also requires you to have

· an academic degree;

· extensive customer experience >7 years in a complex financing environment;

· extensive experience with structuring complex financing arrangements in the Business MidCorporate segment with a strong preference for experience in Event Finance, Acquisition Finance and or Structured Lending, as well as

experience and knowledge of asset-based finance;

· commercial experience and final responsibility in a financing environment and in managing a team as a deal captain;

· experience in managing teams is an advantage, as are strong ambition and a demonstrable affinity with this activity.

Rewards & benefits

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

Questions?

Contact Christiaan Westers ( christiaan.westers@ing.com, +31613586537) for more information about this role. Want to apply directly? Please upload your CV and motivation letter by clicking the “Apply” button.

About us

With 57,000 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.

Vacature informatie

Organisatie: ING

Locatie: Amsterdam

Opleidingsniveau: WO

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