Lending Expert | Business Banking @ING Bank

Mission

Are you ready to take on a dynamic and high-impact role in Business Banking? We're looking for a Business Banking Lending Expert to join our front-office team and help drive the execution of sizeable lending transactions. This role offers the opportunity to work closely with Relationship Managers, Credit Risk, Legal, and external stakeholders to shape complex financing solutions.

About the team

The Business Banking Lending team is a group of experienced professionals dedicated to supporting entrepreneurs and mid-sized companies (turnover up to EUR 150 million) with tailored financing solutions. We work at the heart of complex lending transactions, partnering closely with Relationship Managers, Risk Management, Legal and others to deliver sustainable growth for our clients. Our team combines strong expertise, collaboration, and ownership, creating an environment where people are encouraged to challenge constructively, learn continuously, and make a meaningful impact. If you enjoy analytical work, client-focused problem solving, and being part of a supportive team that values both excellence and autonomy, this is an opportunity to thrive and make a meaningful impact.

Your day to day

• Ensuring a consistent high level of service, quality output and policy compliance across all lending activities

• Preparing credit proposals for larger exposures and/or complex credit structures. You will focus on substantiating the transaction rationale, analysing business, structure and financial risks and mitigants, and actively supporting the file during discussions with Risk Management to ensure alignment with internal policies and credit appetite

• Reviewing and guiding financial models and sensitivity analysis to support transaction structuring and risk assessment

• Reviewing Deal Presentations, presenting and discussing with Risk Management, including the analysis of different transaction structures and providing recommendations

• Negotiating and reviewing (indicative) term sheets and legal documentation to ensure these reflect the credit approval conditions

• Monitoring and reviewing the assigned lending portfolio, ensuring timely updates and proactive risk management

• Reviewing risk ratings (where applicable), and interfacing with Risk Management

• Attending meetings and calls with clients including on transaction-related due diligence discussions

• Acting as front-office mandate holder, making credit decisions in case of certain lending exposures, representing the bank in internal approval processes and ensuring alignment with relevant credit risk policies.

• Acting as front-office mandate holder in case of certain lending exposures, representing the bank in internal approval processes and ensuring alignment with relevant credit risk policies.

What you bring to the team

• Previous experience as a senior in lending & in a transactional environment

• Proven expertise in corporate, syndicated, project, acquisition and object finance; experience with real estate and municipal lending is a plus

• Strong skills in financing structuring, financial analysis, and understanding of corporate lending, financial markets, and trade finance services

• Excellent analytical skills and a strong focus on quality; detail-oriented and accurate

• Entrepreneurial mindset with initiative, motivation, and team spirit. Ability to lead transactions & projects end-to-end.

• Comfortable working in a fast-paced, deadline-driven environment

• Strong work ethic, positive attitude

• Master's degree in finance/economics/accounting/management (or similar)

• Fluent in English (spoken and written).

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.

Job Application Safety Reminder

We're seeing an increase in fraudulent job offers. To protect yourself, please:

• Apply only via official ING platforms. ING uses Workday as its recruitment system.

• Verify the sender's email -- it should only come from @ing.com or @myworkday.com.

• Know that ING will never request payments or banking details during the recruitment process.

How to Apply

Click "Apply" on our careers site and submit your application through Workday. We're excited to meet you!

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 2 million customers from three business segments: individuals (retail), SME and Mid-Corporate companies and Wholesale Banking.

Join us!