# Senior Transactional Approval & Portfolio Management Expert at ING

ING is hiring a Senior Transactional Approval & Portfolio Management Expert. Level rates it Little AI ●○○○; you can [apply on ING](https://jobsbylevel.com/go/40b0bccb-bc9b-461c-ad2a-6da3996e3e46?utm_medium=ai-agent).

AI Level 1, AI centrality 20 out of 100. Luxembourg (Siège Lux House).

## Details

- Company: [ING](https://jobsbylevel.com/companies/ing)
- AI level: AI Level 1 (score 20 out of 100)
- Location: Luxembourg (Siège Lux House)
- Posted: August 11, 2026
- Apply: https://jobsbylevel.com/go/40b0bccb-bc9b-461c-ad2a-6da3996e3e46?utm_medium=ai-agent
- Free CV review for this job: https://jobsbylevel.com/cv-review?job=senior-transactional-approval-portfolio-management-expert-at-ing-ad43d0

## Prepare for this job

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## Description

Your role & work environment Based in Luxembourg City, you will join a specialized Transaction Approval & Portfolio Management team covering Wholesale Banking, fund finance and Private Banking lending portfolios. The role combines senior credit decisioning, fund finance expertise and portfolio oversight for material client exposures, with a strong focus on disciplined risk selection, transaction structuring and ING’s global risk appetite. You will act as a local credit approval authority and trusted risk partner for complex transactions, working with front-office teams, global Transaction Approval Mandates, industry specialists and Credit Risk Management experts. You will review origination requests, credit reviews, ratings, classifications, covenant developments, portfolio trends and limit utilization, forming clear independent credit views supported by robust analysis, sound judgement and high-quality documentation. The position offers exposure to strategic growth areas such as fund finance, subscription-line and asset-backed lending, defense-related corporate financing and Lombard lending. It also provides an opportunity to shape the future Transaction Approval model in Luxembourg through stronger portfolio ownership, data-driven insights and responsible use of AI-enabled tools. Your key responsibilities Analyze, recommend, vote on and decide material credit exposures for Wholesale Banking clients, with a focus on fund finance, structured lending, defense-related corporates and complex Luxembourg-based opportunities. Assess transaction structures, obligor quality, collateral packages, fund characteristics, investor base, covenants, legal documentation and exit or refinancing risks. Produce and challenge concise credit opinions, clearly articulating key risks, mitigants, ratings, limits, tenor, covenants and risk-return considerations. Own portfolio monitoring for assigned Wholesale Banking exposures, including reviews, covenant compliance, concentration risks, early-warning indicators and watchlist processes. Work with relationship managers, product specialists, legal teams, global Transaction Approval colleagues and portfolio analytics teams to ensure consistent, high-quality credit decisions. Contribute to sector, product and portfolio reviews by identifying emerging risks, concentrations, market developments and opportunities to strengthen credit standards. Act as a senior knowledge partner by sharing fund finance, structured lending and credit risk insights while promoting strong risk culture and disciplined execution. We look for We are looking for an experienced credit risk professional with deep expertise in fund finance, structured lending or institutional credit, and the ability to combine commercial judgement with independent risk discipline. You bring the confidence to make and defend credit decisions and to engage credibly with senior stakeholders across business, risk, legal and governance functions. As a Senior Transaction Approval & Portfolio Management Expert, you will ideally bring: Master’s degree in finance, economics, business administration, accounting, law or a related quantitative discipline. At least 10 years of experience in credit risk management, transaction approval, fund finance, structured lending, investment banking, institutional client coverage or portfolio management. Strong understanding of fund finance structures, including subscription-line facilities, NAV or asset-backed lending concepts, investor and collateral analysis, borrowing base mechanics, covenants and documentation principles. Demonstrated ability to perform credit analysis, assess repayment capacity, challenge assumptions and identify transaction-specific risk drivers. Experience preparing, reviewing or approving credit memoranda, including ratings, limits, tenor, collateral, covenants, conditions precedent and monitoring requirements. Credibility to engage senior stakeholders, challenge front-office proposals constructively

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