Senior Transactional Approval & Portfolio Management Expert

About the Position

Senior Transactional Approval & Portfolio Management Expert

We're seeking a Senior Transactional Approval & Portfolio Management Expert to join our Wholesale Banking team in Luxembourg, focusing on disciplined risk selection and transaction structuring.

Responsibilities

• Analyze, recommend, vote on and decide material credit exposures for Wholesale Banking clients, with a focus on fund finance, structured lending, defense-related corporates and complex Luxembourg-based opportunities.
• Assess transaction structures, obligor quality, collateral packages, fund characteristics, investor base, covenants, legal documentation and exit or refinancing risks.
• Produce and challenge concise credit opinions, clearly articulating key risks, mitigants, ratings, limits, tenor, covenants and risk-return considerations.
• Own portfolio monitoring for assigned Wholesale Banking exposures, including reviews, covenant compliance, concentration risks, early-warning indicators and watchlist processes.
• Work with relationship managers, product specialists, legal teams, global Transaction Approval colleagues and portfolio analytics teams to ensure consistent, high-quality credit decisions.
• Contribute to sector, product and portfolio reviews by identifying emerging risks, concentrations, market developments and opportunities to strengthen credit standards.
• Act as a senior knowledge partner by sharing fund finance, structured lending and credit risk insights while promoting strong risk culture and disciplined execution.

Requirements

• Master’s degree in finance, economics, business administration, accounting, law or a related quantitative discipline.
• At least 10 years of experience in credit risk management, transaction approval, fund finance, structured lending, investment banking, institutional client coverage or portfolio management.
• Strong understanding of fund finance structures, including subscription-line facilities, NAV or asset-backed lending concepts, investor and collateral analysis, borrowing base mechanics, covenants and documentation principles.
• Demonstrated ability to perform credit analysis, assess repayment capacity, challenge assumptions and identify transaction-specific risk drivers.
• Experience preparing, reviewing or approving credit memoranda, including ratings, limits, tenor, collateral, covenants, conditions precedent and monitoring requirements.
• Credibility to engage senior stakeholders, challenge front-office proposals constructively and explain complex credit views clearly and decisively.
• Excellent analytical, modelling, writing and presentation skills, including the ability to translate complex credit, legal and portfolio information into senior-management messages.
• Strong ownership mindset, sound judgement and the ability to manage competing priorities independently in a fast-moving, transaction-driven environment.
• Experience using portfolio data, exposure reports and risk analytics to identify trends, early-warning signals and portfolio-level decision needs.
• Resilience, integrity, confidentiality and high professional standards in complex and time-sensitive approval processes.
• Excellent written and verbal communication skills in English; French or another European language is an advantage.

We Offer

• A senior, high-impact credit risk role in a strategic growth area, with exposure to fund finance, institutional clients, specialized lending, defense-related corporates, family offices and Lombard lending.
• Meaningful ownership, delegated decision capacity and direct interaction with senior local and global stakeholders across Risk, Wholesale Banking and specialist product areas.
• The opportunity to build a best-in-class transaction approval and portfolio management setup in Luxembourg, combining global standards, local expertise, data-driven insights and strong risk culture.

About the Company

At ING, we empower people to stay a step ahead in life and in business. Our customers feel our people are empowering them to achieve their goals. We’re proud of our inclusive culture where everyone can grow and make a difference for our customers and society. We support diversity, equality, and inclusion and do not tolerate any form of discrimination. If you need assistance or adjustments during the selection or interview process, please contact the recruiter mentioned in the job posting. We are here to ensure everything is fair and accessible. Click here to learn more about our commitment to diversity and inclusion.