Discover ING Bank Romania

ING believes in a world where everyone has the right to grow and progress in their own way. We express this in our global tagline, “do your thing”. Perhaps more than in any other large company, we extend our belief in the power of autonomy to our own people. But there’s a catch. In return for great freedom, we expect people to do great things for our customers, our stakeholders, and ING at large.

To work here is to be surrounded by people who are energetic, ambitious, friendly and respectful: talented specialists who take the responsibility and autonomy to make great things happen. We stay curious, thrive on change, and seek new and better ways to make it happen. Active in Romania for more than 30 years, ING Bank pioneered and challenged the local banking industry. Technology and innovation are at the core of what we do, making our products relevant for our customers’ lives and businesses.

ING Bank Romania is the only bank with an organic growth within the top 10 local banks by assets, without acquisitions of client portfolios or other banks. ING Bank Romania is an universal bank with more than 1.8 million customers from three business segments: individuals (retail), SME and Mid-Corporate companies and Wholesale Banking.

Join us!

Mission

As a Transaction Manager Lending within Wholesale Banking, you will play a pivotal role in ensuring the seamless execution of lending transactions. You will be part of a dynamic team that supports the entire lending lifecycle, from the indicative term sheet preparation to legal documentation and in-life management of the transactions. This role offers the opportunity to work in a global environment, contributing to strategic initiatives and ensuring compliance and operational excellence.

Your day to day

Continuously monitor market trends and build a robust foundation of macro/ sectorial/ regional insights to understand and anticipate key drivers shaping the business landscape of ING Wholesale Banking clients

Identify new lending opportunities and build strong relationships with ING’s prospective and existing clients by presenting, offering, structuring and executing financing solutions tailored to their specific needs

Prepare credit applications by conducting thorough business and financial analysis, including financial modelling, stress testing and comprehensive risk assessments

Perform profitability and capital adequacy assessments as per internal policies and guidelines

Participate in negotiations with clients and other partners or third parties involved in lending transactions (e.g., banks, insurers, lawyers), while maintaining effective communication to ensure successful deal execution

Verify legal documentation, ensure fulfilment of conditions, monitor loan utilization and proper implementation within the bank’s systems, track covenants, prepare periodic reviews, etc

Collaborate closely with local and global internal stakeholders (Client Coverage, Risk, Legal, Operations, etc) to ensure a seamless execution of lending transactions

What you bring to the team

Academic background in Economics/ Finance/ Accounting/ Maths/ Statistics or equivalent

Experience in credit origination and execution within a banking environment is a plus

Excellent communication skills (Romanian and English), proactivity and ability to originate and build solid relationships

Knowledge of credit structuring, accounting standards, lending products and services, client and banking market dynamics

Excellent planning and organizational capabilities, results-oriented mindset, creative thinking, problem-solving skills, autonomy and a strong sense of responsibility

What we offer

Impactful work in a fun and collaborative environment

Open-concept offices designed for both team work 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.