Restructuring & Recovery Specialist Regional Restructuring Unit Netherlands (“Intensief Beheer”)

ING; Amsterdam; Hybrid; EUR 75,000 - 110,000; Full time

Benefits offered by this job

Pension scheme

13th month salary

8% holiday allowance

Mobility Card

Hybrid working

Learning and development

Meaningful work

Collaborative environment

Shape the future of restructuring

Job summary

ING's Regional Restructuring Unit Netherlands (RRU NL) is seeking a Restructuring & Recovery Specialist. You will manage a client portfolio, lead complex restructuring and recovery processes, and coordinate with clients and stakeholders to develop sustainable solutions.

You will report on loan loss provisioning under regulatory frameworks and contribute to innovation by leveraging AI and digital tools. The role offers a hybrid working arrangement and opportunities to shape the bank's recovery

Qualifications

• Up to five years of experience in lending processes, including deal negotiation and direct client contact.
• Strong analytical skills with sound judgement and creative solutions.
• Excellent verbal and written communication in Dutch and English.
• Ability to build trusted relationships across different stakeholder groups.

Responsibilities

• Lead restructuring and recovery processes for a client portfolio.
• Coordinate with clients and stakeholders to develop sustainable solutions.
• Advise on loan loss provisioning in line with regulatory frameworks.
• Contribute to AI/digital tool adoption to improve analyses and documentation.

Skills

Lending processes

Stakeholder management

Analytical skills

Dutch and English fluency

Tools

AI tools

Agile ways of working

Job description

Restructuring & Recovery Specialist Regional Restructuring Unit Netherlands (“Intensief Beheer”)

Make an impact for clients and ING

Do you enjoy helping clients navigate complex financial situations? Are you looking for a role where you can create meaningful impact for both customers and ING, while continuously developing your expertise in restructuring & recovery?

Within ING’s Regional Restructuring Unit Netherlands (RRU NL), we are looking for a Restructuring & Recovery Specialist. This is a unique opportunity to combine analytical expertise, stakeholder management and strategic thinking to create sustainable solutions in an environment that values collaboration, learning and innovation.

The Team

RRU NL is part of the Risk organization within ING Bank Netherlands. Our mission is to support clients experiencing financial challenges by identifying sustainable solutions that create value for both our customers and ING. We manage restructuring and recovery activities in a prudent, compliant and data-driven way, aiming to preserve value wherever possible and maximize recovery when necessary.

We continuously improve the way we work by learning from experience, embracing innovation and strengthening our capabilities. Collaboration, professionalism and continuous development are at the heart of our team culture.

Your role

Together with other Restructuring & Recovery Specialists, you work in a sector-focused team responsible for Business Banking and Private Banking clients with credit exposures ranging from € 1 million to € 20 million. You manage your own portfolio and maintain direct, regular contact with clients, including during complex and sensitive situations. You take a leading role in restructuring and recovery processes. You coordinate with clients and other stakeholders to develop sustainable solutions, while navigating a wide variety of situations ranging from straightforward to highly complex, often involving committed and emotionally invested stakeholders. This requires a combination of analytical thinking, sound judgement and strong relationship management skills. You ensure clear, accurate and timely written records of analyses, decisions and agreements. This includes high-quality internal documentation and professional written communication with clients, advisers and other external stakeholders.

As a part of a restructuring or recovery process, you advise and report on appropriate loan loss provisioning in compliance with the legal and regulatory frameworks to safeguard the reputation of ING and minimize financial costs for the bank. Where needed, you support projects related to (regulatory) reporting on the non-performing loan portfolio or other relevant projects. And you contribute to Lessons Learned presentations in- and outside RRU NL. In addition, you contribute to change initiatives, continuous improvement efforts and actively explore how AI and other digital tools can improve analysis, documentation, knowledge sharing and the efficiency and quality of restructuring and recovery processes.

What You’ll Bring

At ING, we hire for both experience and potential. We are looking for a specialist who enjoys solving complex challenges and creating sustainable outcomes for clients and the bank. You bring:

• Up to five years of experience in lending processes, including deal negotiation and execution and direct client contact; knowledge of and experience with insolvency are preferred
• A collaborative approach and the ability to thrive in a dynamic environment with tight deadlines
• The ability to build trusted relationships across different stakeholder groups
• Strong analytical skills combined with a practical approach, sound judgement and coming up with creative and impactful solutions
• Excellent verbal and written communication skills in Dutch and English
• Knowledge of sectors such as Industry, Transport & Logistics, Building & Construction and Real Estate – or the curiosity and ability to build expertise in these sectors
• Experience with, or a strong affinity for, AI and other digital tools, Agile ways of working and transformation initiatives is considered a strong advantage

Don’t meet every requirement?

Research shows that some talented professionals hesitate to apply if they don’t meet every qualification listed in a vacancy.

What We Offer?

We believe that outstanding performance starts with an environment where people can thrive professionally and personally. As part of ING, you can expect:

• A competitive salary based on your experience and qualifications (GJA 16 or GJA 17)
• 25-28 vacation days, depending on contract
• Pension scheme
• 13th month salary
• 8% holiday allowance
• Mobility Card
• Hybrid working arrangement with flexibility to balance work and personal commitments
• Extensive learning and development opportunities
• Meaningful work with visible impact on clients, colleagues and the organization
• An innovative, collaborative and supportive working environment
• Opportunities to help shape the future of restructuring, recovery and risk management within ING

About ING

At ING, our purpose is to empower people to stay a step ahead in life and in business. We are committed to creating an inclusive workplace where everyone feels valued, respected and able to bring their authentic selves to work. We believe that diverse perspectives strengthen our teams, improve decision-making and help us better serve our clients.