Credit Risk Officer

ING WB Risk Transaction Advice & Control is looking for a Credit Risk Officer.

Do you want to work at the heart of Wholesale Banking Risk, where every credit decision truly matters, where you are enabling safe and sustainable growth in Wholesale Banking?

At WB Risk Transaction Advice & Control (TA&C), you are operating as an integral part of the WB Risk organisation within the Second Line of Defence, where you contribute to the execution of Wholesale Banking strategy through independent transaction advice and credit decision-making. By this means you are shaping ING’s Wholesale Banking client portfolio by combining deep sector expertise, independent challenge and transparent judgement.

The department: CRO/WB/Transaction Approval & Control

The TA&C department is a key function within the Wholesale Bank Risk domain, responsible for the analysis, advice and decision making on client transactions. Our strength lies in our sector expertise and close connection to the business. With dedicated teams covering sectors such as Energy, Real Estate, TMT & Healthcare, Financial Markets and Corporate Sectors, we bring a deep understanding of industries, markets and products to every decision.

This is done by dedicated risk managers (Credit officers and SCO’s) who have a thorough understanding of credit structuring, credit risk, businesses & markets, and ESG related risks within different Sector and Products. In addition to the asset-by-asset approval process, the risk managers are responsible for their dedicated portfolio monitoring and advising senior management on strategic direction in terms of risk appetite and portfolio steering.

With ~77 professionals in Amsterdam, we operate in a truly international environment, collaborating closely with teams across ING’s global TA&C network.

We are organized in 6 teams;

Corporate Sector Coverage, Infra, Transaction Services and Business Control; Energy, Transportation & Logistics; Real Estate; Commodities, Food and Agri; TMT & Healthcare, Acquisition Finance, Corporate Investments & Asset Securitization, Environmental & Social Responsibility

Why TA&C?

This role offers a unique opportunity to accelerate your career within ING. Working in TA&C means being part of a highly visible and impactful function, at the center of Wholesale Banking.

You will gain direct exposure to senior stakeholders, complex transactions and strategic portfolio decisions. This combination of responsibility, pace and learning makes TA&C one of the most powerful stepping stones for your further career within ING.

The role

We are looking for a new talented colleague to join our team, covering a.o. Corporate Sector Coverage (CSC) and Corporate Sector Lending (CSL), Trade Finance and PCM/BMG. In this impactful role, you will work closely with Senior Credit Officers on a wide range of corporate and trade related credit transactions for ING’s core Dutch and International Corporate Clients. You will not only assess individual deals, but also build a strong view on your dedicated portfolios and sectors, allowing you to translate insights into better decision-making. The deal flow and pace is high and exposure is broad, ensuring a steep learning curve across all aspects of credit risk management and ING’s risk appetite.

Your primary responsibility is the advising and monitoring of client transactions from a credit risk perspective. You safeguard the risk appetite of the bank and will quickly develop into a credit structuring expert who exhibits a deep and specialized knowledge on the relevant sectors, markets and/or products. It is a wide-ranging role that covers all aspects of credit risk management, different CSC sub-sectors (retail; construction, services, chemicals, heavy machinery)  and other portfolios and products (a.o. supply chain finance, BMG, cards).

Next to the core of your job, you will also be involved in change projects covering sector analysis, reporting, climate change and other initiatives that enhance the credit risk management function of ING.

The Team

You will join a dynamic and collaborative team, closely working with Front Office Colleagues  and  TA&C colleagues in Amsterdam and across the ING network. Our environment is fast-paced and demanding, hence flexibility and a ‘can do ‘mentality are important. We offer a highly supportive environment as we value teamwork, knowledge sharing and helping each other succeed.
 

The  team consists of 10 FTE. Your position will be based in Amsterdam and you will report to the team lead.

Job description – 4 core elements:

• You will work closely with SCOs to advise on new transactions for both CSL and Trade Finance/ PCM/BMG as well as modifications of existing transactions and act as daily point of contact for FO teams with whom we expect that you will maintain a strong relationship.
• You will manage (part of) the portfolio and handle risk ratings, annual reviews, and watch-listed files.
• You will ensure the quality and (policy) consistency of credit applications and anything else submitted in our systems.
• You will support the team with portfolio insights on the dedicated sectors and product areas of the team and hands on early warning indicator monitoring.
• You will support department wide projects to make our Risk role more effective and efficient.

Who we are looking for?

You should have a first relevant experience in the field of Corporate and Wholesale banking transactions, with strong social skills and an understanding of credit risk. We look for a pro-active, dedicated and independent thinker who is willing to go the extra mile as our clients are demanding. The candidate displays enthusiasm, and potential to grow and is keen to make an impact in a dynamic environment.

Your profile is:

• Demonstrable first relevant experience in wholesale or business banking;
• Strong personality, self-starter, hands on, with ability and eagerness to continue learning and high integrity standards;
• Strong data management skills, affinity with AI and tools such as Copilot is a pre.
• Good communication skills (verbal and in writing), and fluent in English. Knowledge of Dutch is a plus;
• An independent thinker, not afraid to provide a different point of view and open to the exchange and bringing forward of ideas;
• Team player, social, enjoying collaboration across the bank and committed to help others;
• Willingness to invest in (sub)sector- and product knowledge and improvement of processes, and ability to link this expertise to current trends and credit risk monitoring developments;
• An academic background in e.g. Finance, Business or Economics;

What do we offer ?

• a challenging, diverse and international environment where you will have the opportunity to intensively learn about credit structuring and analysis; 
• a 36/40-hour working week job grade 10/11

Interested?

Click on Apply.  For more information you can also call Anne Aukes (Team lead), telephone +31 6 302 67 411 or an SCO from the team (e.g. Daan Hupler, Stefan Piotrowsky). For more information about ING check: www.ING.nl/werken

This vacancy closes on 15 August, 2026. We are looking forward to your application!