At a Glance
- Tasks: Drive impactful lending transactions and collaborate with diverse teams to create financing solutions.
- Company: Join ING Bank, a leader in Business Banking with a collaborative culture.
- Benefits: Enjoy flexible working, extra leave days, and access to learning platforms for growth.
- Other info: Engage in sustainability projects and corporate events in a fun workplace.
- Why this job: Make a real impact in a dynamic environment while developing your finance skills.
- Qualifications: Experience in lending and strong analytical skills are essential.
The predicted salary is between 36000 - 60000 £ per year.
Are you ready to take on a dynamic and high-impact role in Business Banking? We’re looking for a Business Banking Lending Expert to join our front-office team and help drive the execution of sizeable lending transactions. This role offers the opportunity to work closely with Relationship Managers, Credit Risk, Legal, and external stakeholders to shape complex financing solutions.
You will join a collaborative and high-exposure area within Business Banking Lending, working closely with Relationship Managers and multiple internal stakeholders. The team values professionalism, analytical thinking, ownership, and a proactive mindset, while fostering an environment where autonomy and teamwork come together to create meaningful impact.
Your day to day:
- Ensuring a consistent high level of service, quality output and policy compliance across all lending activities.
- Preparing and efficiently processing credit approval packages, including drafting comprehensive credit proposals.
- Focusing on substantiating the transaction rationale, defending the structure and risk mitigants, and actively supporting the file during discussions with Risk Management to ensure alignment with internal policies and credit appetite.
- Reviewing Deal Presentations, presenting and discussing with Risk Management, including the analysis of different transaction structures and providing recommendations.
- Negotiating and reviewing (indicative) term sheets and legal documentation to ensure these reflect the credit approval conditions.
- Reviewing and guiding financial models and sensitivity analysis to support transaction structuring and risk assessment.
- Monitoring and reviewing the assigned lending portfolio, ensuring timely updates and proactive risk management.
- Reviewing risk ratings (where applicable), and interfacing with Risk Management.
- Attending meetings and calls with clients including on transaction-related due diligence discussions.
- Acting as front-office mandate holder in case of certain lending exposures, representing the bank in internal approval processes and ensuring alignment with relevant credit risk policies.
What you bring to the team:
- Previous experience as a senior in lending & in a transactional environment.
- Proven expertise in corporate, syndicated, project, and object finance; experience with municipal lending is a plus.
- Master’s degree in finance/economics/accounting/management (or similar).
- Strong skills in financing structuring, financial analysis, and understanding of corporate lending, financial markets, and trade finance services.
- Excellent analytical skills and a strong focus on quality; detail-oriented and accurate.
- Entrepreneurial mindset with initiative, motivation, and team spirit.
- Comfortable working in a fast-paced, deadline-driven environment.
- Strong work ethic, positive attitude.
- Fluent in English (spoken and written).
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.
Job Application Safety Reminder: We’re seeing an increase in fraudulent job offers. To protect yourself, please apply only via official ING platforms. ING uses Workday as its recruitment system. Verify the sender’s email — it should only come from @ing.com or @myworkday.com. Know that ING will never request payments or banking details during the recruitment process.
How to Apply: Click “Apply” on our careers site and submit your application through Workday. We’re excited to meet you! Join us!
Lending Expert | Business Banking @ING Bank employer: ING
At ING Bank, we pride ourselves on being an excellent employer that fosters a collaborative and dynamic work environment. As a Lending Expert in Business Banking, you will enjoy impactful work alongside a supportive team, with access to extensive growth opportunities through our learning platforms and flexible working arrangements. Our open-concept offices and commitment to corporate social responsibility ensure that you can thrive both professionally and personally while making a meaningful impact in the financial sector.
StudySmarter Expert Advice🤫
We think this is how you could land Lending Expert | Business Banking @ING Bank
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like ING. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Lending Expert | Business Banking @ING Bank
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to ING.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on ING's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at ING
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with ING.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at ING will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former ING employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
