As a Lending Services Intern, you will be part of a 19-person department consisting of the "Personal Lending Services" and "Business Lending Services" teams.
The "Lending Services" department within ING Luxembourg mainly carries out the following missions:
- Responsibility and final responsibility for the operational execution of the various types of credit offered to customers;
- Objective to provide a fast and impeccable quality service to our internal and external customers;
- Culture of continuous process improvement;
- Helping and supporting all of the Bank's business lines with regard to the operational execution of loans;
- Validation of regulatory and functional reports. (CSSF, Sox, ....);
- Management and/or active participation in the various projects having an impact on the credit activity, whether these projects are initiated by the Lending Services department, by another department of the Bank, upon receipt of new requirements CSSF, Sox, etc.
Your main mission:
Take charge of the complete operational management of credit files.
Your main tasks:
- To process requests to be submitted to decision-making bodies;
- Draft contractual documentation and all appropriate correspondence;
- Proceed with the implementation of credits;
- Carry out all the necessary accounting and follow-up until the repayment of loans;
- Rigorously maintain records;
- Constantly challenge processes in order to simplify them while controlling operational risk.
You will work in close collaboration with the sales representatives of the business lines concerned but also with the "Risk" departments (CRM, MRM, Legal, ...), Bank Treasury as well as other support departments (Client Services, Payment, Finance, IT...).
You will also be required to communicate regularly with external stakeholders (ING Group, Facility Agents, Notaries, Insurance Companies, External Auditors, etc.)
Your profile
Formation:
Minimum BAC +3 in economics/finance or equivalent degree.
Experiment:
A first experience in a similar position will be considered an advantage.
Skills:
- Good analytical, judgmental and communication skills;
- Administrative rigour and excellent organization, particularly in the management of priorities;
- Spirit of initiative and potential for autonomy in the work;
- High motivation to learn and engage in the function;
- Flexibility and proactivity in handling cases;
- Strong customer focus and proven teamwork skills.
Languages:
Oral and written fluency in French and English is essential.
Your work environment:
With more than 900 employees in the Grand Duchy and thanks to the combination of our local presence and the strength of a robust multinational like ING, we offer our private and professional customers a wide range of solutions through the channel of their choice.
ING is a global bank with a strong European foundation. 53,000 employees serve approximately 38.4 million customers, businesses and financial institutions in more than 40 countries. Operating in the Grand Duchy of Luxembourg since 1960 as a universal and accessible bank, our products include savings, payments, investments, loans and mortgages for retail and private banking customers, which we serve severely online and through our branch network. For our wholesale banking clients, we provide lending, sustainable finance, payment and cash management services, and fund services.
