Client and Credit Analyst – Commercial Property Finance

When you come to work at ING, you're joining a modern and progressive team where individuality isn't just accepted, it's encouraged. You'll be surrounded by people who are friendly, inclusive and respectful, who want you to reach your potential. It's one of the many reasons we're proud to be an Employer of Choice for Gender Equality.

We're on a hunt for an experienced Client and Credit Analyst who comes from an extensive credit assessment and client relationship management background to join our Commercial Property Finance team.

In this role, you'll take ownership of managing a diverse commercial property loan portfolio, supporting clients ranging from property funds and developers to high-net-worth individuals. You'll be responsible for credit writing, deal proposals, and client engagement, working closely with brokers and internal stakeholders to drive portfolio growth and support new lending opportunities. While administrative tasks are part of the role, you'll be able to focus on higher-value activities with support from the Lending Support team. You'll collaborate with other team members in the Commercial Property Finance team and engage directly with clients on transactions typically ranging from $5M to $100M.

We're looking for a confident and commercially minded individual who thrives in a fast-paced environment and enjoys working directly with a diverse mix of clients. The ideal candidate will bring excellent credit writing and analytical skills, with the ability to assess complex transactions and contribute meaningfully to deal proposals and portfolio growth. You'll be comfortable engaging with brokers and stakeholders, collaborating across teams, and balancing day-to-day portfolio management with strategic lending support. A proactive attitude, exceptional communication skills, and a genuine interest in progressing toward a Relationship Manager role will set them up for success in this dynamic and growing part of ING's Business Banking team.

Ready to make an impact?

What you'll do
 

• Support business development by assisting senior team members with client engagement, identifying new opportunities, and contributing to deal origination strategies.
• Prepare detailed credit submissions and internal credit applications, ensuring thorough analysis of financials, deal structures, and third-party reports.
• Execute and process loans from approval to settlement, including documentation, compliance checks (CDD/KYC), and coordination with legal and operational teams.
• Manage a portfolio of commercial property loans, overseeing covenants, annual reviews, interest rate resets, and client communications.
• Monitor development projects, prepare land and construction reports, and ensure timely and accurate reporting of portfolio performance.
• Maintain compliance with ING's policies and regulatory requirements, contributing to a transparent and risk-aware culture.

What we're looking for

• Exceptional credit writing and analytical skills, with the ability to assess complex commercial property finance transactions.
• Excellent communication and interpersonal skills to engage confidently with clients, brokers, and internal stakeholders.
• Highly organised with the ability to manage multiple priorities and work effectively in a fast-paced environment.
• A collaborative mindset and willingness to support senior team members while taking ownership of tasks.
• Commercially savvy, with a proactive approach to identifying opportunities and solving problems.
• Motivated to grow within the role, with a genuine interest in progressing toward a Relationship Manager position.

What's in it for you?

• Discounted ING Health Insurance
• An additional Rest Day to support your wellbeing
• An IMPACT day to volunteer on approved sustainability activity

About Us

 

At ING, we're all about making life simpler and more rewarding - for the people who bank with us, the team members who work with us, and the communities we're proud to support. Joining ING means stepping into an environment where your individuality isn't just welcomed - it's celebrated. We've built a culture that's fun, inclusive, and supportive, giving you the freedom to be yourself, so you can do your thing.

Whether you're taking ownership of exciting projects, thinking outside the box, or working with global colleagues, you'll find ING is the kind of place where growth isn't just a possibility; it's a promise. As a WGEA Employer of Choice for Gender Equality and Family Inclusive workplace, you'll feel the difference in how we value and champion our people.

We make hiring decisions based on your skills, capabilities, and how you align with our values - not on ticking every box. So, if you're interested but don't meet all the criteria, we encourage you to apply. We're invested in fostering a diverse and inclusive workplace where everyone feels like they belong. We're your allies in helping you do your thing during the recruitment process, so let us know if you require any support or adjustments when you apply.  Let us know if you'd like to chat with an LGBTQ+ Confidential contact.  

Sound like your kind of vibe? We can't wait to hear from you

(One last note: We operate using a direct talent sourcing model, so no agency introductions, please.)

ING is Australia's most recommended bank according to RFI Global's Consumer Atlas Survey, January–June 2025 (n = 29,510) when compared to customers of the 10 largest ADIs operating in Australia.

Need more? 

Rachel Yuen

Applications close on 21st October 2025  

Internal advert blurb:
 
Before you apply 
Here at ING we consider employee development to be important and encourage existing employees to apply for suitable internal positions. It is expected that any employee applying for a vacant position would have been in their current role for a minimum of twelve (12) months before applying. This may be waived in special circumstances and after consultation with your manager  

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