Senior Credit Risk Officer
hace 1 semana
Senior Credit Risk Officer
Apply locations Madrid (Vía de los Poblados) time type Full time posted on Posted 4 Days Ago job requisition id REQ-10086800
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.
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?
We look for a pro-active, dedicated, and independent thinker; a decision maker with a proven ability to work under pressure in an international and demanding environment; a strong team player.
Professional experience: >10 years (equivalent to a senior VP / junior Director in FO) in Corporate Banking / Lending.
Technical Skills:
Able to perform sound financial analysis of individual and consolidated accounts on large and mid-sized Corporates under different accounting principles (IAS, IFRS).
Sound knowledge of cash flow-based modelling and sensitivity analysis.
Knowledge of Corporate Banking products and transaction structures (including term loans, revolving credit facilities, factoring, confirming, performance and financial bonds, letters of credit) as well as acquisition finance structures.
Sound understanding of different sectors / industries dynamics; key aspects of regulatory frameworks (incl. Basel IV); assessment of customer competitive position within its industry.
Experience in reviewing all legal documentation for transactions alongside Front Office and Legal Advisors.
Understanding of key credit risk metrics: RWA, EAD, LDG, ECL, etc.
Fluent English (read, speak, and write).
Capabilities:
Rigorous, high attention to detail, research skills / mind-set
Highly responsible and reliable; strong commitment to make a quality and timely delivery.
Ability to handle high workload under time pressure / stressful situations. Flexibility to adapt to a dynamic environment
Ability to work on an autonomous manner but being able to timely raise flags/questions when needed. Anticipation rather than reactive approach
Ability to manage conflicts with Front Office, solve problems and make decisions.
Team player- willingness to help others.
Personality: Candidate must have a good personal fit with the rest of the team. This is of top importance to build a truly teamwork environment and a high-performance team.
What do we offer?
The time you spend at work, the challenges you face or the lessons you get are very important, but… What about your personal life? At ING we want your work to fulfill you in every way, and that is why we take care of even the smallest details.
Be flexible my friend.
Our model is all about flexibility and accountability. Keeping both our customers and our colleagues needs in mind, you determine together which days you work at home and which you come to ING MAD to offer your best self.
Restaurant card.
So that thinking about what to have for lunch doesn’t take up your time or your cravings.
Health insurance.
For you and all your family (spouse/partner and children).
Life insurance.
We help you protect what matters most to you.
Flexible remuneration.
In addition, you will enjoy our flexible remuneration model, through a more tax-advantaged way, you will be able to access other services such as nursery, transport card, training aids…
Banking benefits.
Special loans with more beneficial conditions.
Special mortgage conditions after 6 months working at the bank.
And you can benefit from our pension plan after 1 month with us
Get to know Us
We are a team of more than 1600 people sharing one idea: doing our bit in helping our clients create a better future for themselves, by providing them with the tools they need to get where they want to go.
A fully online bank where technology, innovation, simplicity and transparency are the main ingredients, and the first one to work with agile methodologies.
And although we are based in Spain, we are lucky to work in an international bank with presence in more than 40 countries.
We are proud to have a diverse team and we are committed to continue developing a culture of Diversity, Inclusion and Belonging to foster a culture of collaboration and innovation that represents all collectives in the society.
And even though we look orange on the outside, we are green on the inside. Our ambition in Sustainability is Empowering (y)our Sustainability journey. We are embarking on our path, for us, but we are also there for when our clients decide to embark on this journey.
Making things happen, helping others be successful, always being one step ahead—that’s our DNA. If you look at yourself in the mirror and your reflection matches our way of being and working…we are looking forward to meeting you
#J-18808-Ljbffr
-
Senior Credit Risk Officer
hace 2 semanas
España ING Bank N.V. A tiempo completoAt ING we are looking for Senior Credit Risk OfficerYour 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...
-
Senior Credit Risk Analyst
hace 4 semanas
España TF Bank A tiempo completoWe are seeking a seasoned Senior Credit Risk professional with expertise in credit risk analytics, statistical modelling, and credit risk management in the banking sector. The ideal candidate should also have significant experience working with credit cards, including risk assessment, portfolio management, and lifecycle analytics. As a Senior Credit Risk...
-
Senior Credit Risk Analyst
hace 4 semanas
España buscojobs España A tiempo completoTF Bank was founded in Sweden in 1987 with the purpose of offering finance solutions to customers who ordered goods from mail order catalogs. Over time, the Group has grown both in terms of product offerings, revenues, and geographic presence. TF Bank prioritises organic growth under controlled conditions, and expansion occurs within carefully selected...
-
Senior Credit Risk Analyst Risk
hace 1 mes
España TF Bank AB A tiempo completoWe are seeking a seasoned Senior Credit Risk professional with expertise in credit risk analytics, statistical modelling and credit risk management in the banking sector. The ideal candidate should also have significant experience working with credit cards, including risk assessment, portfolio management, and lifecycle analytics. As a Senior Credit Risk...
-
Senior Credit Portfolio Manager
hace 4 semanas
España Us Bank A tiempo completoAt U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often—that’s what we call the courage to thrive. We believe it takes all of us to bring our shared...
-
Senior Credit Risk Analyst
hace 2 días
España SumUp A tiempo completoAt SumUp, we're on a mission to empower small businesses across the globe by providing simple and affordable tools that allow them to thrive. Today, over 4 million businesses in 36 markets rely on SumUp as their financial partner to manage payments, finance and customer relationships.SumUp's Lending team is looking for a Senior Credit Risk Analyst to take us...
-
Head of Credit Risk Governance
hace 2 meses
España TF Bank A tiempo completoAs the Head of Credit Risk Governance, you will be responsible for developing and overseeing the credit risk governance framework to ensure effective management of credit risk across all TF Bank's products. This role involves creating and maintaining policies, procedures, and controls to mitigate credit risk, while ensuring compliance with regulatory...
-
Head of Credit Risk Governance
hace 2 meses
España TF Bank A tiempo completoAs the Head of Credit Risk Governance, you will be responsible for developing and overseeing the credit risk governance framework to ensure effective management of credit risk across all TF Bank’s products. This role involves creating and maintaining policies, procedures, and controls to mitigate credit risk, while ensuring compliance with regulatory...
-
Credit Risk Analyst
hace 2 meses
España The Outsourced Recruitment Company A tiempo completoWe are looking for an experienced Credit Analyst to join our client on a 6 month contract based in Poland. The ideal candidate will have a strong background in finance and accounting, with expertise in credit analysis and risk assessment. Proficiency in French is essential, as you will be working with international clients across various regions. Credit...
-
Credit Risk Analyst
hace 2 meses
España The Outsourced Recruitment Company A tiempo completoWe are looking for an experienced Credit Analyst to join our client on a 6 month contract based in Poland. The ideal candidate will have a strong background in finance and accounting, with expertise in credit analysis and risk assessment. Proficiency in French is essential, as you will be working with international clients across various regions. Credit...
-
Credit Risk Governance and Regulatory Assurance
hace 20 horas
España Santander A tiempo completoCredit Risk Governance and Regulatory Assurance Senior Analyst Country: Spain **RIESGOS está buscando un/a Credit Risk Governance and Regulatory Assurance Senior Analyst para nuestras oficinas en Boadilla del Monte** **POR QUÉ DEBERÍAS CONSIDERAR ESTA OPORTUNIDAD** **Riesgo de crédito, Riesgo de tipos de interés, Riesgo de liquidez, Riesgo...
-
Credit Risk Analyst
hace 4 semanas
España buscojobs España A tiempo completoWe are looking for an experienced Credit Analyst to join our client on a 6 month contract based in Poland.The ideal candidate will have a strong background in finance and accounting, with expertise in credit analysis and risk assessment. Proficiency in French is essential, as you will be working with international clients across various regions.Credit...
-
Head of Credit Risk Governance Risk
hace 2 meses
España TF Bank AB A tiempo completoAs the Head of Credit Risk Governance, you will be responsible for developing and overseeing the credit risk governance framework to ensure effective management of credit risk across all TF Bank’s products. This role involves creating and maintaining policies, procedures, and controls to mitigate credit risk, while ensuring compliance with regulatory...
-
Senior Credit Manager
hace 4 semanas
España buscojobs España A tiempo completoJob DescriptionPosition Summary :We are looking for a Senior Credit Manager to lead the North American credit and collections function for a dynamic manufacturing organization. This role is key in establishing operational standards for credit risk assessment, approval processes, and customer portfolio analysis, with a focus on supporting sales growth and...
-
Senior Credit Manager
hace 1 mes
España Connexzia A tiempo completoJob Description Position Summary: We are looking for a Senior Credit Manager to lead the North American credit and collections function for a dynamic manufacturing organization. This role is key in establishing operational standards for credit risk assessment, approval processes, and customer portfolio analysis, with a focus on supporting sales growth and...
-
España Selby Jennings A tiempo completoRole: Consultant/Manager/Senior Manager IRB Credit Risk ModellingLocation: Madrid, SpainJoin our client's dynamic team with a global footprint; they specialize in risk management and finance. As a boutique consultancy firm, they break down silos, delivering innovative solutions based on deep expertise.Key Responsibilities:Develop and validate IRB credit risk...
-
Consultant/Manager/Senior Manager Irb Credit Risk Modelling
hace 3 semanas
España buscojobs España A tiempo completoRole: Consultant/Manager/Senior Manager IRB Credit Risk ModellingLocation: Madrid, SpainJoin our client's dynamic team with a global footprint; they specialize in risk management and finance. As a boutique consultancy firm, they break down silos, delivering innovative solutions based on deep expertise.Key Responsibilities:Develop and validate IRB credit risk...
-
España Selby Jennings A tiempo completoRole: Consultant/Manager/Senior Manager IRB Credit Risk ModellingLocation: Madrid, SpainJoin our client's dynamic team with a global footprint; they specialize in risk management and finance. As a boutique consultancy firm, they break down silos, delivering innovative solutions based on deep expertise.Key Responsibilities:Develop and validate IRB credit risk...
-
Credit Risk Technician
hace 2 meses
España Mur & Martí A tiempo completoDesde **Mur&Partners** ofrecemos una posición como **Credit Risk Technician **para una empresa multinacional del sector de la alimentación. **MISIÓN** En dependencia del Credit Risk Manager, será la persona responsable de gestionar las cuentas y el crédito de la cartera de clientes asignada. **FUNCIONES** - Gestión de la cartera de clientes asignada...
-
España Pleo A tiempo completoPleo is a dynamic and forward-thinking organization dedicated to excellence in handling risks across everything we do. We are seeking a highly skilled and knowledgeable individual to join our Second Line Risk and Compliance team as a Senior Risk Management Officer. This is a unique opportunity to help develop and evolve Pleo’s Enterprise Risk Management...
