Associate, Sector & Specialised Lending, TM

ING Group; Singapore; On-site; SGD 60,000 - 90,000; Full time

Job summary

ING Group offers an exciting opportunity for a junior to mid-level lending professional in Singapore. You'll engage with various specialized lending products, executing transactions within a dynamic team environment. Collaborating closely with sector specialists, you'll manage lending processes and client relations, contributing to tailored financial solutions.

Qualifications

• 3 to 4 years of specialised lending / structured finance experience.
• Strong interest in ING priority sectors.
• Collaborative team player with strong interpersonal skills.

Responsibilities

• Manage new specialised lending transactions and client relationship.
• Conduct financial and credit analysis on clients.
• Draft and negotiate financing term sheets.

Skills

Financial modelling

Financial analysis

Credit skills

Interpersonal skills

Collaboration

Education

Bachelor’s and/or Master’s degree in finance/economics/accounting/management/engineering

Job description

ING Wholesale Banking in Singapore

We began operating in Singapore in 1987 where we host the regional Asia Pacific headquarters. With over 300 financial experts, we are the largest wholesale banking branch in Asia. ING stands out in the Asia Pacific region because we go a step further for our customers. We look at things from the client’s perspective which allows us to construct tailor-made solutions to fit the needs of every company we serve. This mentality underpins all our client relations and has produced various prestigious awards.

Job Profile Summary

We have a great opportunity to join the Sector & Specialised Lending (“S&SL”) team which is part of Lending Transaction Management (“TM”) of ING Wholesale Banking in Singapore. The S&SL team provides execution solutions across a spectrum of specialised lending products, including project finance, object finance, structured high yield corporate debt, and other cash flow- or asset-based lending. You will work on deal execution in close collaboration with the ING Wholesale Banking’s Sector Coverage teams covering sectors such as (a) Energy, (b) Telecom, Media, Technology and Healthcare, (c) Metals, Mining & Fertilizer (d) Food & Agriculture, (e) Real Estate and Infrastructure and (f) Transportation, Logistics and Automotive. This is a junior to mid-level lending professional role within the front office. You will carry primary responsibility for some of the key processes related to structured lending transactions and work closely with Sector Bankers and Relationship Managers. The work will be fast-paced and multifaceted. On the team, you will focus on one or two core sectors, but you will also be exposed to, and expected to work with, one or two other sectors in which ING specializes.

The vacancy involves regular contact with clients, prospects, other banks, legal, technical, market and other advisors and frequent cooperation with other product owners such as Loan Distribution Group, Financial Markets and Transaction Services and internal operational departments such as Portfolio Management, Credit Risk Management, Legal, Global Lending Support and Loan Operations.

Job Responsibilities:

The candidate will be expected to manage new specialised lending transactions, work closely with the client relationship managers and take responsibility for many of the key lending execution processes, which include:

• Financial and credit analysis on existing and prospect clients.
• Developing, building and managing financial models with sensitivity analysis and validation of key macroeconomic, technical and financial assumptions.
• Drafting and negotiating financing term sheets, reviewing and negotiating financing and security documents.
• Coordinating due diligence workstreams with third party advisors and lending syndicates.
• Preparing and efficiently processing credit approval packages and other internal approval memoranda.
• Interfacing with loan operations, treasury and the lending center of excellence units to verify limit availability, and compliance with internal policies and portfolio management.
• Oversee and coordinate deal closing including financing documents and conditions precedent.
• Assist in preparation of marketing materials and primary syndication processes.
• Analysis of different transaction structures and providing recommendations.
• Preparing business comparable and analysis of debt structures, performance metrics and debt pricing.
• Attending client team meetings and calls with clients including for transaction-related due diligence.
• Staying current on organizational operating policies and procedures (i.e. Risk, Legal, etc.) to ensure appropriate protocols are implemented and followed, and facilitate accordingly.
• Enhancing internal processes, suggesting efficiency improvements.
• Support lending related projects, policy changes, etc. as part of change management, where required under relevant WB transformation/change strategies.

What we're looking for:

Qualifications / Education:

• Bachelor’s and/or Master’s degree in finance/economics/accounting/management/engineering (or similar).

Experience & Competencies:

• 3 to 4 years of specialised lending / structured finance experience gained with a bank, non-bank financial institution, corporate or financial advisory firm.
• Strong interest and prior experience in one or several ING priority sectors and openness to work across 3 to 4 of those sectors. Prior exposure to the sustainable and renewable energy sector in the Asia Pacific region would be a plus.
• Collaborative and inclusive team player; with strong interpersonal skills, embracing diversity and cross-cultural awareness and able to work effectively across functions.
• Results orientation, passion to drive solutions and results that add value to customers.
• Solid financial modelling skills and ability to develop and maintain complex financial projections.
• Well-developed financial analysis, comprehensive risk analysis and credit skills.
• In-depth understanding of regional and global loan and debt capital markets.
• Your curiosity makes you want to understand things in detail.
• Authentic and confident presentation and communication skills.
• Ability to thrive in a fast-paced environment with multiple competing priorities.
• Self-motivated and willing to work in a deal oriented and deadline-driven environment.
• Strong work ethic, positive attitude, and professional demeanor.