.At ING we are looking for Senior Credit Risk Officer Your role and work environment: We are looking for a talented and enthusiastic Senior Credit Risk Officer to join our Credit Risk Team Wholesale Banking Spain & Portugal (based in Madrid).
The responsibility of this team is the advice and decision making of tailored (lending) transactions for our key WB Sector and Lending clients and supporting these clients in their success whilst safeguarding the risk appetite of the bank.
The credit risk managers have a deep understanding of credit structuring, credit risk and businesses & markets, next to the assessment of related risks like ESG, compliance and climate risk.
In addition to the asset-by-asset approval process, the Credit Risk Team manages the portfolio on the strategic direction in terms of risk appetite and portfolio steering in sectors and products.
It is also engaged in other initiatives covering the wider credit strategy of ING (sector analysis, risk appetite direction, Leveraged Transactions, reporting, climate change).
Our way of working is dynamic, closely working with local Front Office and other Risk Managers across the bank, covering several sectors (a.O.
Energy, Infra, Food&Agri, TMT, Real Estate) and products (a.O.
Acquisition Finance, Project & Object Finance....).
Focused on taking responsible credit risks, stepping in for each other where needed.
The timelines of requests are usually demanding hence flexibility and a 'can do' mentality is important.
The team consists of 6 FTE.
Your position will be based in Madrid, and you will report to the team lead.
Your key responsibilities: As a Senior Credit Risk Officer, you will be responsible for advising and managing client transactions from origination to closing from a credit risk perspective, in balance with a sound commercial sense.
Recommending (to the final approval authority) or deciding on credit risk proposals of different sectors and products within ING's risk appetite.
This includes the assessment of credit quality of customer (internal rating), analysis of business model, transaction structure, review of historical financials and business plan.
Ensuring the quality, policy compliance and consistency of the credit application prepared by Front Office.
Review of the final documentation to make sure it meets approval conditions.
You will further be responsible for proactive portfolio monitoring (anticipating and managing risk migration), for ensuring ongoing compliance with ING internal policies, regulation and controls.
You will also participate in local and/or global projects, and actively provide input in relevant risk policies and reports; What are we looking for?
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