Job Description:
Come deliberante reddituale la risorsa avrà un ruolo chiave nella approvazione e onboarding di nuovo credito e/o nel rinnovo del credito già esistente, attraverso l’analisi e la valutazione dei documenti reddituali.
Supporta le attività giornaliere in tutte le fasi del mutuo, dall'acquisizione del cliente alla delibera finale, prevalentemente negli aspetti reddituali ma anche in quelli Tecnico Legali e di erogazione del Mutuo
È responsabile della gestione delle attività afferenti alla delibera reddituale, quindi alla valutazione della relazione istruttoria e conseguente approvazione e/o rigetto della pratica
Controlla e collabora con gli outsourcer coinvolti nel processo mutui.
Garantisce il corretto roll out della credit policy e dei requisiti normativi locali.
Supporta il business definendo e monitorando i processi operativi, dall’onboarding al disbursment, in modo efficiente, guardando all'obiettivo fissato in termini di TTY e TTC.
E’ in grado di relazionarsi e negoziare con la rete commerciale
Eroga la formazione e presta supporto ai Team commerciali, outsourcer e alle nuove risorse.
Partecipa proattivamente alle attività organizzative di gruppo (i.e. Visual Management, Progetti e iniziative della Banca, ecc...)
Supporta le iniziative di innovazione digitale in tutte le fasi del processo
Key Responsibilities:
Gestisce le attività day by day del processo Mortgage Lead to Cash, in particolare quelle maggiormente correlate alla approvazione reddituale, nonché le attività a supporto della analisi tecnico legale;
Garantisce la conformità con la politica di credito;
Supporta i controlli sulle prestazioni degli outsourcer secondo quanto previsto dalla politica di outsourcing del Gruppo ING; è responsabile della compilazione dei file di controllo e della governance sugli outsourcer;
E’ delegato allo svolgimento di audit periodici agli outsourcer;
Collabora con il Mortgage Technical Leader alla predisposizione e all’erogazione della formazione/training verso tutti gli stakeholder;
Partecipa alla revisione occasionale del sistema di relazione tra Credit Ops e la rete con l’obiettivo di ottimizzare la comunicazione;
Individua proattivamente iniziative regolamentari e novità declinate dai regulatory in ambito Creditizio e immobiliare, traendone spunto per effettuare iniziative di miglioramento di processo e di contenuti.
Educational Qualifications
Diploma Materie Scientifiche e/o Laurea
Work Experience And Skills
+3 anni di esperienza e/o conoscenza del mondo Mutui
Conoscenza dei processi di Acquisizione e full credit lifecycle
Capacità di Problem Solving e capacità analitiche
Capacità di lavorare in Team e per Obiettivi
Flessibilità
Working conditions: Full Time
Duration: Temporary
Location: Milan (hybrid)
About ING
ING offers many opportunities to build a diverse and rewarding career. You will be joining an international innovative digital bank, the first in Italy to adopt a fully flexible smart working model, and you will be working in a stimulating environment where you can grow both as an individual and as a professional. Our purpose - empowering people to stay a step ahead in life and in business - represents our belief in people’s potential. We don’t judge, coach or to tell people how to live their lives. We empower people and businesses to realize their own vision for a better future.
#doyourthing is our brand direction with us each and every day. It is how we articulate our purpose and our promise to make banking frictionless to the world.
‘do your thing’ is about people being free to live the life they want to live, knowing that they will make their world a little better for it.
Do you think you are "a step ahead"? Apply now!
The benefits of joining ING
In addition to being a part of a great team, working in a fun and innovative environment, we offer:
· Super flexible smart working
· Competitive base salaries and performance based bonuses
· Diverse cultures & Innovative mindsets
· International Environment
· Commitment to sustainability
· Lots of training development opportunities to help you grow
· Lots of moments dedicated to physical and mental well-being
· A special day off when it is your birthday: we call it #doyourbirthday!
· And of course we can’t forget: free water & coffee at the office!
Our Commitment
Diversity is a fundamental element of our corporate culture, and we are fully committed to creating a safe and inclusive environment, based on mutual respect and the value of diversity, offering equal job opportunities to all qualified candidates.
Job Application Safety Reminder ⚠️
We’re seeing an increase in fraudulent job offers. To protect yourself, please follow these key guidelines when applying for roles at ING:
·Apply only via official ING platforms: ING uses Workday as its internal recruitment system. Applications should be submitted only via our official career site.
·Check the sender’s email carefully: legitimate communication will always come from: @ing.com and/or @myworkday.com
·No payments or banking details will ever be requested. If someone asks for this information, it’s a scam.
If you suspect suspicious activity, report it immediately. Your safety matters to us.
Top Skills
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
