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About the Role
Collaborate to execute effective, credible challenge to the credit risk management practices of 1st and 2nd Lines of Defense. Responsibilities range from individual obligor and portfolio reviews to management of Credit Risk Review (CRR) teams as Reviewer-in-Charge (RIC). Requires NYC-Midtown presence 3 days per week.
Responsibilities
- Collaborate with the CRR HoD to implement and continuously evolve the strategic vision for the function, including the refinement of policies, frameworks, and methodologies.
- Promote a culture of collaboration, high performance, and continuous improvement through behavior and engagement.
- Balance collaborative engagement with credit risk managers and effective, credible challenge of practices.
- Develop credit risk management opinions that appropriately and successfully challenge the status quo.
- Undertake Risk Assessments and Continuous Monitoring to review assigned portfolios, identifying the credit risk profile and anticipated changes, while also evaluating compliance with internal policies and regulatory expectations.
- Develop and refine sector and/or product-type expertise to support the credibility of the CRR challenge to 1st and 2nd LoD credit risk managers.
- Execute Target Reviews/Examinations of individual obligors for alignment with bank credit risk standards, including accurate and timely credit risk rating designations.
- When acting as RIC, evaluate the work of CRR team members to ensure high-quality and consistent outputs, undertaking primary evaluations of credit exposures and portfolios as necessary.
- Initiate Issue Validation Reviews to evaluate the effectiveness of management’s remedial actions to address CRR-identified formal issues.
- Act as a senior escalation point for complex or contentious reviews, providing balanced and well-informed judgments.
- Lead or assist with special projects as needed (e.g., CRR enhancement, credit risk postmortem, etc.).
Requirements
- Undergraduate degree
- 12+ years of experience with wholesale credit risk management
- Extensive experience with assignment of U.S. bank regulatory risk ratings
- Effective communication skills for presenting complex ideas to diverse stakeholders
- Sector Experience within Energy & Power (Upstream, Midstream, Downstream, Renewables, and Utilities) plus one or more of the following industries / product types: Asset Based Lending, Asset Securitizations, Commercial Real Estate, Funds Finance, Leveraged Lending, Mining, & Project Finance.
- Demonstrated experience with effectively challenging decision makers.
- A collaborative mindset with a focus on problem-solving and continuous improvement.
- Bank regulator/examiner experience (Preferred)
- CRR team membership experience (Preferred)
- Graduate Degree or Chartered Financial Analyst Accreditation (Preferred)
Skills
- Wholesale credit risk management
- U.S. bank regulatory risk ratings
- Communication skills
- Sector expertise (Energy & Power, Asset Based Lending, Asset Securitizations, Commercial Real Estate, Funds Finance, Leveraged Lending, Mining, Project Finance)
- Challenging decision makers
- Problem-solving
- Continuous improvement
Location
- New York
Work Type
- Hybrid
- In-office/work from home flexibility
- Required NYC-Midtown presence 3 days per week
Experience Level
- Director
- 12+ years
Education Level
- Undergraduate degree
- Graduate Degree (Preferred)
- Chartered Financial Analyst Accreditation (Preferred)
Salary/Compensations
- $216,000-273,000 (base salary)
- Eligible for discretionary bonus program
Benefits
- Comprehensive health benefits
- Generous 401k savings plan
- Competitive PTO
- Adoption, surrogacy, and fertility services
- Student debt assistance
- Subsidies for commuting and fitness expenses
About the Company
- In Americas, ING’s Wholesale Banking division offers a broad range of innovative financial products and services to domestic and international corporate and institutional clients.
- ING fosters a culture where individuality is encouraged, and employees are supported to be themselves and make the most of their potential.
- The company provides freedom to take risks, think differently, take ownership, and make great things happen, with global network opportunities for career development.
- ING Bank does not have a commercial banking license in the U.S. and therefore is 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.
Equal Opportunity
- 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.