Buscar empleo: 92 ofertas de trabajo de orange en España (febrero 2026)

Portfolio Management Associate

hace 8 días

Madrid

At ING we are looking for Associate of Portfolio Management Your role and work environment: We are looking for a talented and enthusiastic person to join our Lending Team of Wholesale Banking asAssociate of Portfolio Management. This is a lending professional role within the front office. As a key member of the Portfolio Management team, your responsibility is to actively manage the lending portfolio of Spain & Portugal and optimize returns through strong analytics and capital velocity. You will join a multi-sector and multi-product team (Real Estate Finance, Energy, Infra, Telecommunications, Acquisition Finance), although your role will be mainly focused on project finance transactions in the Energy & Infrastructure sectors. You will collaborate with a wide range of teams -Transaction Management, Capital Markets & Advisory, Risk, Global Credit Restructuring, Legal and more- whilst aligning with back office / support teams. At the same time, the Portfolio Management team plays a key role in further optimizing our processes for regulatory readiness, operational effectiveness and portfolio optimization. Your key responsibilities: • The Portfolio Management team will be the ‘center of excellence’ for the in-life management of ING’s WB lending exposure. It covers all activities post the initial funding to the final repayment of a lending transaction. As a front office department, it will closely collaborate with Origination & Structuring colleagues and product specialists to ensure a seamless client experience. The Portfolio Management function will be organised along product and sector considerations. Each portfolio manager will cover a set of portfolio clients and act as the first point of contact for the ongoing credit monitoring, analytics, internal risk and other reporting. Portfolio Management supports the identification of cross-buy opportunities and is also closely involved in the delivery of ING’s capital velocity targets. The team will be supported by Global Lending Support in Dublin and the ING hub in the Philippines. It will be a key driver of improving processes, standardisation, and digitalisation across Lending., • The specific responsibilities of an Associate include actively managing together with the Portfolio Managers all facets of the individual files booked in your dedicated portfolio, including but not limited to:, • Quarterly and annual credit reviews;, • Process amendment and waiver requests, credit review process (write or review credit modifications, perform financial analysis, cash flow- based modelling and sensitivity analysis, perform sustainable transaction assessment, 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, Unlikely to Pay assessment, Forbearance assessment, Default for a deterioration in credit quality., • In addition, an Associate will monitor and identify together with the Portfolio Managers market developments and proactively manage their potential impact on your portfolio by, • Preparing and maintaining reports as requested by regulators or internal stakeholders;, • Preparing quarterly Credit Risk Management (“CRM”) portfolio reviews;, • Maintaining various department and industry databases/ trackers;, • Maintaining internal portfolio tracking metrics;, • Responding to ad hoc internal requests on portfolio composition and exposure;, • Coordinating and working with offshore portfolio support teams;, • Managing lending limits and Capital Velocity programs., • An Associate will take active part in the various Virtual Client Teams by, • Interfacing with relationship managers and sector specialists to ensure an active dialogue on credit trends, challenges and opportunities for individual clients;, • Contributing to idea generation for value added cross-buy or client opportunities., • An Associate is expected to build a culture of operational excellence by, • Staying up to date on organizational operating policies and procedures (i.e. Risk, Legal, etc.) to ensure appropriate protocols are implemented and followed, and facilitating accordingly;, • Contributing to the implementation of strategic initiatives, including enhancements to the credit monitoring process to improve business efficiency;, • Supporting the implementation of transformation projects;, • Coaching more junior colleagues (Analysts, trainees and interns) by supporting them in their personal and professional development;, • Contributing to improve data quality monitoring and reporting. What are we looking for? Want to know if this job is made for you? These are some of the qualities that we value the most for this role. And if the shoe fits… don’t hesitate to apply! Qualifications / Education: • Collaborative and inclusive team player; embracing diversity and cross-cultural awareness and able to work effectively across functions;, • Strong financial and credit analysis capabilities; eye for detail, • Good presentation and communication skills;, • Collaborative and able to work effectively across functions and regions;, • Ability to thrive in a fast-paced environment with multiple competing priorities;, • Committed and dedicated individual who wants to continuously improve;, • Self-motivated and willing to work in a deal oriented and deadline driven environment;, • Knowledge of Legal Documentation;, • Strong work ethic, positive attitude, and professional demeanor;, • Fluent in English, both verbally and written. Fluent in Spanish is also a plus. What do we offer? In the Portfolio Management team, we realize that the aspired excellence of our work means that we always need to have the best people in the best positions. That is why we are committed to investing in your personal growth and development. You will experience a steep learning curve. We offer you the opportunity to further develop your sector knowledge, commercial & relationship skills, financial expertise, transaction experience, and regular interaction with clients at a senior level. At the same time, we will ensure that you are always up to date on the key developments in your field and that you will continue to improve your performance. These circumstances provide an excellent opportunity for a talented individual to advance your career in a multi-cultural and international environment. The time you spend at work, the challenges you face or the lessons you get are very important, but… What about your personal life? At ING we want your work to fulfill you in every way, and that is why we take care of even the smallest details. Check out what is waiting for you! Be flexible my friend. Our model is all about flexibility and accountability. Keeping both our customers and our colleagues needs in mind, you determine together which days you work at home and which you come to ING MAD to offer your best self. Do your thing. Restaurant card. So that thinking about what to have for lunch doesn’t take up your time or your cravings. Our house will be your home. In our offices you can find electric mobility solutions, doctor, hairdresser, gym, The Good Service (to help you with your errands) and much more! Health insurance. For you and all your family (spouse/partner and children). Life insurance. We help you protect what matters most to you. Flexible remuneration. In addition, you will enjoy our flexible remuneration model, through a more tax-advantaged way, you will be able to access other services such as nursery, transport card, training aids… Free company shuttle. It doesn't matter where you live. We have 6 routes (North, Central, South, A5, A42 and A6) to get you to our ING office in Madrid comfortably. Banking benefits. Special loans with more beneficial conditions. Special mortgage conditions after 6 months working at the bank. And you can benefit from our pension plan after 1 month with us! More vitality and more belonging 360º care of the employee (physical, mental, social connection & purpose). Physiotherapy service on site. Runners club with your own trainer. Clinics with professional, world-class athletes. Gympass service. Employee Networks: Rainbow Lions (LGBTQI+) & Leonas. Get to know Us We are a team of more than 1600 people sharing one idea: doing our bit in helping our clients create a better future for themselves, by providing them with the tools they need to get where they want to go. A fully online bank where technology, innovation, simplicity and transparency are the main ingredients, and the first one to work with agile methodologies. And although we are based in Spain, we are lucky to work in an international bank with presence in more than 40 countries. We are proud to have a diverse team and we are committed to continue developing a culture of Diversity, Inclusion and Belonging to foster a culture of collaboration and innovation that represents all collectives in the society. And even though we look orange on the outside, we are green on the inside. Our ambition in Sustainability is Empowering (y)our Sustainability journey. We are embarking on our path, for us, but we are also there for when our clients decide to embark on this journey. Making things happen, helping others be successful, always being one step ahead—that’s our DNA. If you look at yourself in the mirror and your reflection matches our way of being and working…we are looking forward to meeting you!

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