Senior Lending Specialist

The Wholesale Banking Lending team in ING Czech Republic has a challenging opportunity available for an ambitious professional. The team is responsible for the bank’s lending products and strategy across the various market segments relevant for ING in the Czech republic. This includes lending to the largest local corporations, subsidiaries of foreign multinationals including structured finance, project finance, acquisition finance and real estate finance transactions.

We initiate, structure and execute lending transactions for existing and new clients while maintaining a healthy credit portfolio. The team consists of a group of motivated professionals that work closely together with Global Sector Teams, Relationship Managers, Risk Management, Legal, Transaction Services, Capital Markets and Advisory, Operations and other ING businesses.

The responsibility of the Lending Specialist is to originate and execute transactions, manage a designated portfolio of Clients as appropriate with his/her level of expertise and closely cooperate with other team members, departments and across the international network of ING.

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
Financial analysis skills and experience with lending documentation
Passion, understanding and experience with sustainability / ESG lending is a benefit

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
Full-time or part-time
The position is based in Prague
Daily use of English language, Czech language is nice to have

Possibility of personal and professional development

Apply

Questions about this opportunity?

Feel free to contact Eva Pekarkova, Recruiter. e-mail: eva.pekarkova@ing.com