Senior Transactional Approval & Portfolio Management Expert

About the Position

Senior Transactional Approval & Portfolio Management Expert

Based in Luxembourg City, you will join a specialized Transaction Approval & Portfolio Management team covering Wholesale Banking, fund finance, and Private Banking lending portfolios. The role combines senior credit decisioning, fund finance expertise, and portfolio oversight for material client exposures, with a strong focus on disciplined risk selection, transaction structuring, and ING’s global risk appetite.

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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.

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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, modeling, writing, and presentation skills, including the ability to translate complex credit, legal, and portfolio information into senior-management messages.
• Strong ownership mindset, sound judgment, 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.

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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.

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About the Company

At ING, we are on a journey centered around our customers, powered by technology, and driven by smart, determined people. Our customers feel our people are empowering them to stay a step ahead in life and in business. We’re proud of that!

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Apply now and join our team in Luxembourg to redefine banking together.