Analyst, Lending Portfolio Management

1 week ago


Singapore ING Full time

ING Wholesale Banking in Singapore

We began operating in Singapore in 1987 where we host the regional Asia Pacific headquarters. With over 300 financial experts, we are the largest wholesale banking branch in Asia. ING stands out in the Asia Pacific region because we go a step further for our customers. We look at things from the client’s perspective which allows us to construct tailor-made solutions to fit the needs of every company we serve. This mentality underpins all our client relations and has produced various prestigious awards.

Job Profile Summary

We have a great opportunity to join our Portfolio Management (“PM”) team as an Analyst, a new function within ING Lending franchise in Singapore. This is an entry-level lending professional role within the front office. As a key member of the PM team, your responsibility will be to actively manage the lending portfolio in Asia Pacific and optimize returns through strong analytics and capital velocity. On the team, you will be exposed to and work with different colleagues from several sector-based origination team, specialized and corporate lending Transaction Management, Capital Markets & Advisory (particularly Loan Distributions), Risk and Legal whilst aligning with back office / support teams. At the same time, the PM team plays a key role in further optimizing our processes for regulatory readiness, operational effectiveness and portfolio optimization.

Job Responsibilities:

- The PM team is the ‘center of excellence’ for the in-life management of ING’s lending exposure. 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 sector-based origination & structuring and corporate and specialized lending transaction management colleagues and other product specialists to ensure a seamless client experience. The PM function is organized along product and sector considerations. 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 ING’s capital velocity targets. The team will be supported by Global Lending Support in Dublin and the ING hub in the Philippines. Together with Tribe Lending and the Capital and Liquidity Expertise Centre, it will be a key driver of improving processes, standardization, and digitalization across Lending.
- Periodic single transaction or portfolio credit reviews;
- Processing of amendment and waiver requests, preparation and submission to Risk of credit modifications, Q&A and approval processes with Risk, follow-up on the required legal amendments to the documentation until execution;
- Review of annual risk rating updates prepared by ING hubs’ administrative support teams;
- Diligent and proactive credit monitoring through the review of all financial covenants and operating performance (e.g. financial models, proforma adjustments, key drivers, etc.) and track compliance of covenants prepared by an administrative support team;
- Identification and resolution of Early Warning Signals for a deterioration in credit quality;
- Involvement 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 on your portfolio by:

- Preparing and maintaining reports as requested by 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;
- Responding to ad hoc internal requests on portfolio composition and exposure;
- Coordinating and working with offshore portfolio support teams;
- Managing lending limits and capital velocity programs.
- Interfacing with relationship managers and sector coverage specialists to ensure an active dialogue on credit trends, challenges and opportunities for individual clients;
- Contributing to idea generation for value added cross-buy or client opportunities.
- Staying up to date on organizational operating policies and procedures (i.e. Risk, Legal, etc.) to ensure appropriate protocols are implemented and followed, and facilitating accordingly;
- Contributing to the implementation of strategic initiatives, including enhancements to the credit monitoring process to improve business efficiency;
- Identifying productivity trends across the Front Office organization and using insights from reporting to create and drive efficient processes and improve productivity;
- Supporting the implementation of transformati



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