Lending - Acquisition Finance Portfolio Management - Analyst

We have a great opportunity to join our Acquisition Finance Portfolio Management (AF PM) team as an Analyst a function within ING Lending franchise in UK. This is a lending professional role within the front office. As a key member of the AF PM team your responsibility will be to assist portfolio managers in their management of AF booked assets in the lending portfolio in the UK and optimize returns through strong analytics and capital velocity. On the team you will be exposed to and work with different colleagues from several product and sector-based origination teams Capital Markets & Advisory (CMA) Loan Distribution Transaction Advisory & Compliance (TA&C) and Legal whilst aligning with back office / support teams. At the same time the AF PM team plays a key role in further optimizing our processes for regulatory readiness operational effectiveness and portfolio optimization.

Job responsibilities

• The AF PM team is the center of excellence for the in-life management of INGs Acquisition Finance lending exposures. It covers all activities post the initial funding to the final repayment of a lending transaction. As a front office department it will closely collaborate with product and sector-based origination & structuring and corporate and specialised lending transaction management colleagues and other product specialists to ensure a seamless client experience. Each portfolio manager will cover a set of portfolio clients and act as the first point of contact for the ongoing credit monitoring analytics internal risk and other reporting. PM supports the identification of cross-buy opportunities and is also closely involved in the delivery of INGs capital velocity targets.

• The specific responsibilities of an Analyst include supporting Portfolio Managers in their day-to-day management of highly leveraged borrowers including but not limited to:

• Forming part of a deal team to process add-on refinancings as well as amendment and waiver requests preparation and submission of credit modifications Q&A and approval processes with TA&C.

• Undertake financial modelling associated with new opportunities completing returns analysis and ongoing performance reviews of portfolio assets

• Assisting with preparing annual portfolio reviews

• Review of annual risk rating updates prepared by ING hubs administrative support teams

  • Be involved in ongoing engagement and collaboration with the AF Origination team identifying and mining new deal opportunities from AF portfolio;

  • Be involved with capital velocity initiatives associated with the underlying loans including primary and secondary loan (or loan portfolio) sales credit risk insurance or participations loan-backed securitization and significant risk transfers.

• In addition you will monitor and identify market developments and proactively manage their potential impact across the AF portfolio by:

  • Provide support with the preparation and maintaining of reports as requested by senior members of the PM team regulators or internal stakeholders;

  • Preparing quarterly Credit Risk Management (CRM) portfolio reviews;

  • Maintaining various department and industry/sector databases/trackers;

  • Maintaining internal portfolio tracking metrics;

  • Provide support to ad hoc internal requests on portfolio composition and exposure;

  • Working with offshore portfolio support teams;

  • Managing lending limits and capital velocity programs.

• The Analyst will take active part in the various Virtual Client Teams by:

  • Interfacing with relationship managers and sector coverage specialists to ensure an active dialogue on credit trends challenges and opportunities for individual clients;

• The Analyst is expected to build a culture of operational excellence by:

• Staying up to date on organizational operating policies and procedures (i.e. TA&C Legal etc.) to ensure appropriate protocols are implemented and followed and facilitating accordingly;

• Support the implementation of strategic initiatives including enhancements to the credit monitoring process to improve business efficiency;

• Support the implementation of transformation projects.

Qualifications and Competencies

Qualifications / Education:

• University degree. CFA and/or MBA a plus

Experience / Knowledge:

• Prior exposure to specialized lending (project finance object finance acquisition finance) and/or real asset sub-sectors (energy infrastructure transportation & logistics telecommunication and technology) a plus.

• Solid competency in cashflow financial modelling MS Excel Powerpoint. PowerBI a plus.

• Fluency in French and / or Spanish is desirable but not essential.

Competencies:

• Collaborative and inclusive team player with consistent high marks on Orange Code behaviour; embracing diversity and cross-cultural awareness and able to work effectively across functions;

• Strong financial and credit analysis capabilities;

• Excellent presentation and communication skills;

• Collaborative and able to work effectively across functions and regions;

• Ability to thrive in a fast-paced environment with multiple competing priorities;

• Committed and dedicated individual who wants to continuously improve;

• Self-motivated and willing to work in a deal oriented and deadline driven environment;

• Strong work ethic positive attitude and professional demeanor.