Head of Portfolio Management APAC

at  ING

QUALIFICATIONS / EDUCATION:

• University degree major in business/economics, law or relevant business discipline. CFA and/or MBA a plus

EXPERIENCE / KNOWLEDGE:

• [x]+ years of relevant credit analysis experience in the banking industry.

• Lead a newly established team comprising PM personnel across all ING loan booking offices, and build a culture of excellence and engagement
• Strong focus on people management and development through on the job training, individual development plans, performance management, workload balancing and career path monitoring
• Be a champion and actively support the rollout and success of the training and personal development programs such as the Early Career Track program.
• Create a sense of identity by closely aligning the team to the bank strategy and through building a mindset of collaboration and can-do spirit across the full value chain from Sectors, to Transaction Management and PM
• Embraces Diversity and Inclusion; demonstrating inclusive behaviours to create a conducive and safe working environment where people can be their best and feel a strong sense of belonging
• Actively manage all facets of the individual files booked in the portfolio, including but not limited to:
• Quarterly and annual credit reviews;
• Process amendment and waiver requests, write or review credit modifications, submit to risk and address Q&A, follow-up on the required legal amendments to the documentation until execution;
• Review annual risk rating updates prepared by an administrative support team;
• Diligent and proactive credit monitoring through the review of all financial covenants and operating performance (e.g. financial models, proforma adjustments, key drivers, etc) and track compliance of covenants prepared by an administrative support team
• Identification and resolution of Early Warning Signals for a deterioration in credit quality
• Monitor and identify market developments and proactively manage their potential impact on the portfolio
• Prepare and maintain reports as requested by regulators or internal stakeholders;
• Prepare quarterly Credit Risk Management (CRM") portfolio reviews;
• Maintain various department and industry databases/trackers;
• Maintain internal portfolio tracking metrics;
• Respond to ad hoc internal requests on portfolio composition and exposure;
• Coordinate and work with offshore portfolio support teams
• Manage lending limits and Capital Velocity programs
• Ensure the team takes active part in the various Virtual Client Teams
• Interface with relationship managers and sector specialists to ensure an active dialogue on credit trends, challenges and opportunities for individual clients.
• Contribute to Idea generation for value added cross buy or client opportunities;
• Build a culture of operational excellence
• Stay up-to-date on organizational operating policies and procedures (i.e. Risk, Legal, etc.) to ensure appropriate protocols are implemented and followed, and facilitate accordingly
• Implement strategic initiatives, including enhancements to the credit monitoring process to improve business efficiency
• Identify productivity trends across the Front Office organization and use insights from reporting to create and drive efficient processes and improve productivity
• Implement transformation projects
• Ensure alignment with the bank’s strategic priorities, and alignment with our risk cuture and risk appetite (financial and non-financial), with Sustainability at the heart of what we do.