Junior/Medior Lending Specialist

The job:

• Assess and dimension business potential of current and potential customers 

• Perform financial analyses as well as company and sector related research 

• Structure and execute new transactions 

• Prepare credit applications 

• Advise on profitability, risk weighted assets and transaction economics 

• Prepare credit ratings 

• Maintain data quality of lending files as well as administration and operational tasks around the existing portfolio 

• Develop a day to day working relationship with Relationship Managers, Risk Management, Legal, Transaction Services, Global Sector Teams and Operations 

• Ensuring adherence to all applicable lending policies 

As a Lending Specialist: 

• You will be designated to a specific portfolio of clients for which you will be responsible for execution of new lending transactions, annual reviews and modifications (in close cooperation with other team members depending on nature of client and proposal) 

• In this role, you will identify and respond to the needs of existing and prospective clients on lending products, identify possible cross-sell opportunities in close cooperation with colleagues across the international network of ING 

• You will be required to build close professional relationships with clients eligible for lending products 

• You are responsible for the accurate, efficient and timely execution of credit files related to the various lending products as well as financial markets and transaction services products requiring credit limits 

• You will prepare, discuss and conclude term sheets and loan documentation with clients, incl. cooperation with other team members as may be appropriate 

• You will be responsible for monitoring the credit profile of your designated clients and initiating appropriate actions in case of deterioration of credit quality 

• You will provide further support to the Lending team as appropriate 

Your profile:

• An ambitious professional with a university degree or equivalent with 3+ years of work experience in the financial sector, preferably in a lending or credit risk related environment 

• Excellent analytical skills with an eye for detail and a can-do attitude 

• Team player 

• Pro-active with excellent verbal and written communication skills in English

• Czech language is preferable to have

• Financial analysis skills and experience with lending documentation 

• Passion, understanding and experience with sustainability / ESG lending is a benefit 

• Right to work in the Czech Republic

What do we offer:

• The position involves contacts with many different ING departments & clients as well as ING’s strong international network. We operate at the heart of ING’s wholesale banking franchise in the Czech Republic providing many opportunities for further career advancement. This environment provides excellent opportunities for a talented individual to gain experience in a high-paced and international environment 

• A wide array of benefits, training opportunities, and a safe, pleasant working environment

• Full-time or part-time 

• A modern culture with flexible options for remote work and office presence (located at Českomoravská, Prague 9)

• Daily use of English language

• Opportunities for professional growth and development