Main Responsibilities
• Analysing financial statements (Income Statement, Balance Sheet and Cash Flow Statement) of public and private companies and inputting the required data into various credit analysis systems.
• Screening the loan agreements and understanding the financial covenants applicable to the borrower.
• Preparation of various reports for lending teams across the globe for overdue ratings, covenants and financials – we want to be able to proactively help the lending teams resolve any issues before they may arise.
• Conducting background research independently to understand the broad drivers that guide various sectors in which the borrowers operate with a view to performing a brief risk assessment, resulting in an appropriate risk rating.
• You will tap into your credit, analytical and technical skills while working collaboratively with your local and global peers and management teams.
• You will work with engaged managers and have exposure to global teams across all areas of Wholesale Banking (e.g., corporate, real estate, and financial institutions etc).
Skills Required
- Financial statement analysis (Income Statement, Balance Sheet, Cash Flow)
- Knowledge of loan agreements and financial covenants
- Experience preparing reports for lending teams on overdue ratings, covenants, and financials
- Credit risk assessment and risk rating assignment
- Independent background and sector research skills
- Ability to work collaboratively with local and global teams and management
- Experience using credit analysis systems
What We Do
ING is a pioneer in digital banking and on the forefront as one of the most innovative banks in the world. As ING, we have a clear purpose that represents our conviction of people’s potential. We don’t judge, coach, or tell people how to live their lives. However big or small, modest or grand, we empower people and businesses to realise their vision for a better future. We made the promise to make banking frictionless, removing barriers to progress, and make people confident in their financial decisions. As a global bank we have a huge opportunity – and responsibility – to make an impact for the better. We can play a role by financing change, sharing knowledge, and innovating. Being sustainable is in all the choices we make—as a lender, as a partner and through the services we offer our customers
