We have an exciting opportunity to join ING’s Acquisition Finance Portfolio Management (AF PM) team in London. As an Associate within our front-office lending team, you will help manage a portfolio of leveraged finance transactions, supporting portfolio performance, credit monitoring, and capital optimisation initiatives.
You will work closely with colleagues across Acquisition Finance Origination, Capital Markets & Advisory, Transaction Approval & Control, Legal, and other lending teams, while building strong relationships across the wider business.
Key Responsibilities
Portfolio Management & Credit Monitoring
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Support Portfolio Managers in the day-to-day management of Acquisition Finance clients and transactions.
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Conduct ongoing credit analysis, covenant monitoring, and financial performance reviews.
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Assist with refinancings, amendments, waivers, and other credit modifications.
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Identify and escalate potential credit concerns and early warning indicators.
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Support restructuring and workout situations when required.
Portfolio Reporting & Analytics
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Prepare portfolio reports, risk reviews, and management information.
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Contribute to quarterly Credit Risk Management, Watchlist, and Loan Loss Provision reviews.
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Maintain portfolio databases, trackers, and performance metrics.
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Support lending limit management and capital velocity initiatives, including loan sales and risk transfer programmes.
Client & Stakeholder Engagement
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Work closely with Relationship Managers and sector specialists to support client discussions and identify business opportunities.
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Contribute to cross-sell initiatives and portfolio-driven growth opportunities.
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Collaborate with offshore support teams and internal stakeholders across functions and regions.
Continuous Improvement
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Support process improvement and transformation initiatives.
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Help enhance credit monitoring and operational efficiency.
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Contribute to the development of junior colleagues and new joiners.
What We’re Looking For
Experience & Qualifications
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University degree (CFA and/or MBA advantageous).
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3+ years’ experience in lending, leveraged finance, credit analysis, or portfolio management.
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Strong financial analysis and cashflow modelling skills.
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Advanced Excel and PowerPoint skills; Power BI is beneficial.
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Exposure to Acquisition Finance, Project Finance, Infrastructure, Energy, Transport, Technology, or other specialised lending sectors is desirable.
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French and/or Spanish language skills are beneficial but not essential.
Skills & Competencies
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Strong credit and analytical capabilities.
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Excellent communication and presentation skills.
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Collaborative team player with the ability to work across functions and regions.
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Strong organisational skills and ability to manage multiple priorities.
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Knowledge of lending documentation and credit processes.
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Proactive, self-motivated, and committed to continuous improvement.
Why Join ING?
At ING, you’ll have the opportunity to work in a dynamic international environment while developing your career within a leading global bank. We offer:
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Private medical, dental and health cover
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Competitive pension and financial wellbeing benefits
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Hybrid working and flexibility to work abroad for up to 30 days
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Generous annual leave and family-friendly policies
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Learning, mentoring and international career development opportunities
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Employee wellbeing programmes, social clubs and volunteering initiatives