Analyst, Sector-Based & Specialized Lending

Lending | Sector Based & Specialized Lending | Analyst | NYC

About ING :

In The Americas, ING’s Wholesale Banking division offers a broad range of innovative financial products and services to domestic and international corporate and institutional clients.

When you come to work at ING, you’re joining a team where individuality isn’t just accepted, it’s encouraged. We’ve built a culture that’s fun, friendly, and supportive – it’s the kind of place where you can be yourself and make the most of whatever you have to offer.

We give people the freedom to take risks, think differently, take ownership of their work, and make great things happen. We’re here to help you get ahead and, with our global network, there’s plenty of scope to take your career in new directions, perhaps even ones you’ve never considered. ING Americas follows a hybrid work model, allowing for in-office / work from home flexibility. Hybrid work arrangements vary based on business area.

Sound like the kind of place you’d feel at home? We’d love to hear from you.

About the position:

This is a junior lending professional role within the front office. As a key member of the Lending Team, you will support and work closely with senior bankers. The work will be fast-paced and multifaceted. On the team, you will not be expected to specialize in any one industry and will cover several sectors including but not limited to Energy, TMT, Infrastructure, Transport & Logistics, Fund Finance, Food & Agriculture, and other industry verticals, as required. This will give you exposure to a variety of lending structures and industries, providing the experience and grounding for a strong credit-focused career.

Responsibilities:

• The Lending Team is involved with every new lending transaction and takes primary responsibility for many of the key processes, which include:
  • Preparing credit approval packages including annexes and all requisite attachments
  • Preparing financial models including cash flow forecasts, valuations, and sensitivity analysis
  • Developing key underwriting assumptions based on a deep understanding of the asset, market and industry trends
  • Running internal models, including risk ratings and loan pricing
  • Interfacing with loan operations, treasury, legal teams, clients and co-lenders to coordinate loan closings
  • Reviewing legal documentation and validating key terms & conditions
• The Lending Team works closely with the client relationship managers and/or the Deal Principles on originating and structuring deals, including:
  • Due diligence, market research and analytics
  • Term sheet negotiations
  • Preparing Commercial Committee (Green Light) memos, presentations and discussions with Risk Management
  • Analysis of different transaction structures and providing recommendations
  • Attending meetings and calls with clients including transaction-related due diligence
• Ensuring a consistent level of quality and policy compliance through training and development activities
• Staying current on organizational operating policies and procedures (i.e. Risk, Legal, etc.) to ensure appropriate protocols are implemented and followed, and facilitate these accordingly.

Qualifications and Competencies

Qualifications / Education:

• Bachelors’ degree demonstrating high academic achievement
• 1+ years of relevant work experience, including experience in credit analysis and financial modeling will be a plus

Competencies:

• Financial analysis and modeling skills, proficiency with Microsoft Excel
• Strong organizational skills
• Understanding of credit analysis and of debt capital markets
• Committed and dedicated individual who will continuously improve the way the team works
• Collaborative, team oriented, and able to work effectively across functions and regions
• Strong writing, 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
• Knowledge of, or high degree of interest in, any of the following industries: Renewables & Power, Hydrocarbons & New Energies, TMT, Infrastructure, Trade & Commodity Finance, Real Estate, Investment Industry Finance, Transport & Logistics, Financial Institutions, Export Finance, Food & Agriculture, or Metals & Mining

Salary Range $105,000-$115,000

In addition to comprehensive health benefits, a generous 401k savings plan, and competitive PTO, ING provides a broad array of benefits including adoption, surrogacy, and fertility services; student debt assistance; and subsidies for expenses associated with commuting and fitness.

ING is a committed equal opportunity employer. We welcome applicants of diverse backgrounds and hire without regard to race, gender, religion, national origin, citizenship, disability, age, sexual orientation, or any other characteristic protected by law. We celebrate these differences and rely upon your unique perspective to innovate and seize new opportunities. Come as you are.

ING Bank does not have a commercial banking license in the U.S. and therefore not permitted to conduct a commercial banking business in the U.S. Through its wholly owned subsidiary ING Financial Services LLC, and its affiliates, it offers a full array of wholesale products such as commercial lending and a full range of FM products and services.

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