Relationship Manager | Corporate Business Banking @ING Bank

Discover ING Bank

ING believes in a world where everyone has the right to grow and progress in their own way. We express this in our global tagline, “do your thing”. Perhaps more than in any other large company, we extend our belief in the power of autonomy to our own people. But there’s a catch. In return for great freedom, we expect people to do great things for our customers, our stakeholders, and ING at large.

To work here is to be surrounded by people who are energetic, ambitious, friendly and respectful: talented specialists who take the responsibility and autonomy to make great things happen. We stay curious, thrive on change, and seek new and better ways to make it happen. Active in Romania for more 30 years, ING Bank pioneered and challenged the local banking industry. Technology and innovation are at the core of what we do, making our products relevant for our customers’ lives and businesses.

ING Bank Romania is the only bank with an organic growth within the top 10 local banks by assets, without acquisitions of client portfolios or other banks. ING Bank Romania is an universal bank with more than 1.8 million customers from three business segments: individuals (retail), SME and Mid-Corporate companies and Wholesale Banking.

Join us!

Mission

The Relationship Manager initiates, maintains and develops the relationship with clients in the Medium Companies division, legal entities, offering them credit facilities and other banking products and services, helping them achieve their business goals.

Your day to day

• Responsible for initiating, developing and maintaining profitable business relationships, offering the full range of services of the bank and/or its affiliated entities according to the sales plan and personal objectives;
• Represents and promotes the ING brand on the local market, together with the Area Manager and the Regional Director;
• leads negotiations with clients aimed at starting new businesses and developing existing ones. Monitors and develops the customer portfolio;
• Ensures an efficient sale of the products sold by the other ING units (e.g. Factoring);
• Makes visits to new and existing customers. Drafts the minutes related to the discussions held with potential customers and/or existing ones;
• Structures the offers for the various requested products (current account, deposit account, credit facility, etc.) and proposes them for approval to the responsible departments. Submits the offers to the representatives of the interested companies;
• Responsible for the financial analysis and identification of the risks of the financed business (quantitatively and qualitatively) in compliance with the rules and policies specific to the Medium Companies customer segment, respectively the general policies of ING Bank - prepares the credit applications, makes periodic changes and renewals, assesses the risks involved in offering credit facilities; sends credit applications to the Credit Department and ensures that they are received on time, maintains a close relationship with the customer during this process, acts if the customer does not meet all the credit conditions;
• The Relationship Manager will think and act in the spirit of mitigating the risks involved in the bank's business relationships;
• Maintains a close collaboration with the Corporate Accounts Management Department, regarding the management of the legal files of the clients in the portfolio;
• Maintains a close collaboration with all departments of the bank, regarding the management of credit files and the implementation of agreed credit facilities;
• Maintains collaboration with the Credit, Risk, Legal and Compliance Departments;
• Will make every effort to complete, complete and timely all risk, sales or compliance reports;
• Follow the changes in the market and those regarding product developments; It comes with initiatives for product development and improving the bank's activity flows;

What you bring to the team

• Experience: Minimum 5 years of experience in the banking field, of which at least 2 years of experience in a similar position;
• Professional qualifications/training: Knowledge and skills for financial analysis; identifies business opportunities on the local market; specialized banking courses; sales and negotiation skills; conflict management skills, credit analysis skills, risk assessment skills, etc
• Education: Graduate of higher education – specialization in economics
• Level of knowledge of the foreign language: English (spoken and written) - fluent;
• A responsible and cooperative team player, focused on new client acquisitions in order to enlarge the client base, increase ING market share and develop more cross-sell for existing relations;
• Good expertise and high skills in sales, negotiation and time management
• A cope with change person, that embraces change and is always willing to learn more and open to new professional challenges;
• Computer Usage: MsOffice, Databases, Spreadsheets, E-mail, Internet;

What we offer

• Impactful work in a fun and collaborative environment.
• Open-concept offices designed for both teamwork and relaxation.
• Corporate events and social gatherings
• Hybrid way of working with flexible working schedule and short week options.
• Monthly budget on Benefit platform.
• Extra annual leave days depending on the total length of working experience.
• Growth opportunities through upskilling/ reskilling programs and a variety of learning and development platforms: ING
• Learning Centre, Udemy, Bookster, as well as through trainings and certifications.
• Possibility to access Internal roles, International Short-Term Assignments or Long-Term Assignments.
• Context to make an impact through Sustainability and Corporate Social Responsibility projects.