ING Australia’s Wholesale Bank has a huge growth agenda for 2025, and we are currently seeking an Associate to join our new Portfolio Management function within the Lending team in Sydney.
As a key member of the PM team, you will actively manage the lending portfolio (primarily in Australia) and optimize returns through strong analytics. You are the ‘centre of excellence’ for the in-life management of ING’s lending exposure. This means covering all activities post the initial funding to the final repayment of a lending transaction. As part of the front office department, you will closely collaborate with sector-based origination & structuring colleagues, transaction management colleagues, and other product specialists to ensure a seamless client experience.
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.
Ready to make an impact?
What you’ll do
- Management of a portfolio clients across various sectors including but not limited to energy, technology, media & telecom, healthcare, real estate, infrastructure, food, beverages & agriculture in line with the Bank’s policies and strategic objectives
- Processing of high-quality 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 and new rating model systems
- 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 where the client is not performing in line with the Bank’s expectations
What we’re looking for
- 4+ years of relevant lending execution and/or credit analysis experience in the banking industry.
- Prior exposure to relevant sectors
- Bachelors’ degree with preferably major in business/economics/finance/law
- Strong financial and credit analysis capabilities
- Strong Excel skills with the ability to operate, maintain, and take independent charge of complex financial models
- Excellent analytical and communication skills
- Knowledge of lending legal documentation
What’s in it for you?
- Discounted ING Health Insurance
- An additional Rest Day to support your wellbeing
- An IMPACT Day to volunteer on approved sustainability activity
About Us
At ING, we want to make life simpler and more worthwhile – for everyone who banks with us, for the people who work with us, and the community at large, too.
When you come to work at ING, you’re joining a team where individuality isn’t just accepted, it’s encouraged. We’ve built a culture that’s fun, friendly and supportive – it’s the kind of place where you can be yourself and make the most of whatever you have to offer.
We give people the freedom to think differently, take ownership of their work, and make great things happen. We’re here to help you get ahead. And with our global network, there’s plenty of scope to take your career in new directions, perhaps even ones you’ve never considered.
We are all about celebrating success and as a result we are proud to be a WGEA Employer of Choice for Gender Equality and a certified Family Inclusive workplace.
Sound like the kind of place you’d feel at home? We’d love to hear from you.
(One last thing, ING operates a direct talent sourcing model. So no agency introductions, please.)
Need more?
Contact Mark Montgomery on [email protected]
Applications close Friday 8th August 2025
Before you apply
Here at ING we consider employee development to be important and encourage existing employees to apply for suitable internal positions. It is expected that any employee applying for a vacant position would have been in their current role for a minimum of twelve (12) months before applying. This may be waived in special circumstances and after consultation with your manager
ING is Australia's most recommended bank according to RFi XPRT Survey, February 2021 - July 2021 (n = 31,903) when compared to customers of 20 other banks operating in Australia.
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