Senior Credit Risk Officer

**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. It is also engaged in other initiatives covering the wider credit strategy of ING (sector analysis, risk appetite direction, Leveraged Transactions, reporting, climate change). Our way of working is dynamic, closely working with local Front Office and other Risk Managers across the bank, covering several sectors (a.o. Energy, Infra&Contruction, Food&Agri, TMT. ) and products (a.o. Acquisition Finance, Project Finance, Real Estate Finance.). Focused on taking responsible credit risks, stepping in for each other where needed. The timelines of requests are usually demanding hence flexibility and a ‘can do‘ mentality is important. The team consists of 6 FTE. Your position will be based in Madrid and you will report to the team lead. **Your key responsibilities**: **What are we looking for?** Want to know if this job is made for you? These are some of the qualities that we value the most for this role. And if the shoe fitsdon’t hesitate to apply 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 / 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; 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. **What do we offer?** The time you spend at work, the challenges you face or the lessons you get are very important, butWhat 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. Check out what is waiting for you **Flexible schedule and 100% flexible e-working.** Work or e-work? We have a totally flexible model: keeping both our customers and your colleagues in mind, you can choose the one that best suits you all. **Restaurant card.** So that thinking about what to have for lunch doesn’t take up your time or your cravings. **Our house will be your home.** In our offices you can find electric mobility solutions, doctor, hairdresser, gym, urban orchard, The Good Service (to help you with your errands) and much more **Life insurance.** We hope you don't need to use it **Health insurance.** For you and all your family (spouse/partner and children). **Flexible remuneration.** In addition, you will enjoy our flexible remuneration model, through which you can access other services such as nursery, transport card, training aids **Free company shuttle.** It doesn't matter where you live. We have 6 routes (North, Central, South, A5, A42 and A6) to get you to our ING office in Madrid comfortably. **Banking benefits.** Special loan or mortgage terms after 6 months working at the bank.