Senior Associate - Portfolio Management - Wholesale Bank

ING Australia’s Wholesale Bank has a huge growth agenda for 2025, and we are currently seeking a Senior Analyst to join our new Portfolio Management function within the Lending team in Sydney.

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

About Us

At ING, we want to make life simpler and more worthwhile – for everyone who banks with us, for the people who work with us, and the community at large, too. 

When you come to work at ING, you’re joining a team where individuality isn’t just accepted, it’s encouraged. We’ve built a culture that’s fun, friendly and supportive – it’s the kind of place where you can be yourself and make the most of whatever you have to offer. 

We give people the freedom to think differently, take ownership of their work, and make great things happen. We’re here to help you get ahead. And with our global network, there’s plenty of scope to take your career in new directions, perhaps even ones you’ve never considered. 

We are all about celebrating success and as a result we are proud to be a WGEA Employer of Choice for Gender Equality and a certified Family Inclusive workplace.  

Sound like the kind of place you’d feel at home? We’d love to hear from you. 

(One last thing, ING operates a direct talent sourcing model. So no agency introductions, please.) 

Need more?
Contact Mark Montgomery on mark.montgomery@ing.com

Applications close Wednesday 16th April 2025

Before you apply
Here at ING we consider employee development to be important and encourage existing employees to apply for suitable internal positions. It is expected that any employee applying for a vacant position would have been in their current role for a minimum of twelve (12) months before applying. This may be waived in special circumstances and after consultation with your manager

ING is Australia's most recommended bank according to RFi XPRT Survey, February 2021 - July 2021 (n = 31,903) when compared to customers of 20 other banks operating in Australia.

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