• Performs an in-depth analysts on the credit applications submitted by account management, including financial analysis, business risk, structure risk, country risk, etc.
• Pro-actively shares the risk appetite with the account management function to maintain a common risk culture, including providing guidance on the structuring of the facilities (covenants, tenors).
• Maintains an active dialogue with account management, Head-Office Risk management and local senior management on portfolio management, client development (join client meetings) and upcoming proposals.
• Provides a written credit opinion during the credit application process to local and/or global decision makers highlighting in the advice the key risks, mitigants and suggestions to improve the request.
• Ensures the quality and consistency of the credit applications and checks the compliance of the application versus INGs’ credit policies.
• Can hold an alternate decision mandate for transactions and applications.
• Reviews legal documentation in consultation with ING Legal, ensures the post-approval follow-up (conditions/limit adjustments) and reviews/approves the risk ratings.
• Participates in projects (internal, regulatory) and deliverables (reporting, audits).

• Masters degree in accounting, finance, econom(etr)ics, international business. CFA preferred.
• At least 8 years of banking experience with at least 5 years in a credit risk or similar function (like lending analyst or TCF account management).
• Strong knowledge of corporate banking concepts, loan documentation and credit analysis.
• Good knowledge of trade finance, borrowing base structures, payment and cash management, financial markets and lending products.
• Very high degree of integrity.
• Ability to work under pressure and within tight dead-lines.
• Strong analytical and critical thinking skills.
• Enthusiastic team-player who listens and contributes to the success of others.
• Ability to build effective relationships with stakeholders (account management, head-office).
• Displays seniority and persuasiveness.
• Fluent in English, and preferably French