Herbert Berkel
Ommen
Summary
Dynamic professional with extensive experience at ING Bank, excelling in credit risk management and data analysis. Proven track record in team leadership and quality assurance, driving successful outcomes in complex credit proposals. Adept at fostering customer relationships and optimizing portfolio management, ensuring compliance and strategic alignment with organizational goals.
Overview
33
33
years of professional experience
1
1
Certification
Work History
Team Lead Commercial Property Finance Data remediation
ING Bank CR COO RISK
10.2017 - Current
- Support and advice of Global Credit Structuring department regarding Cost and Recovery activities of all possible portfolios
- Setting up instructions and manuals for quality assurance
- Information source for the modeling department and ECB
- Management (partial) team, plan the workload, interviews the potential candidates
- Review of completed work by individual consultants
- Collecting and checking (Commercial Property Finance) files of defaulted relationships after 2008
- Data analysis
- ING joined Global Credit Data (GCD) in June 2016 and is setting up the GCD data exchange for various portfolios, including Commercial Property Finance (CPF).
Senior Credit & Real Estate Risk Officer
Propertize B.V.
11.2015 - 09.2017
- Analyze (dis) investment proposals, restructurings and exit and asset strategies.
- Translating strategic objectives into clear KPIs.
- Analyzing and reporting any deviations from forecasts and planning.
- Based on the previous advice from the Credit Committee and / or Board of Directors.
- Drawing up operational and financial reports, including for the benefit of the Executive Board.
- Monitoring and reporting on risk profiles in the loan portfolio
- Promptly and unsolicited identification of trends and developments in the (real estate) market and on the basis of this analysis and recommendations.
- The initiation of improvement processes, including in terms of planning and budgeting.
- Conducting business economic analyzes and strategic scenario analyzes
- Credit risk management, authorization (delegated authority) and advice for the various credit committees and Board of Directors.
- Delivering various (un) requested reports, among others, for the benefit of the Executive Board.
- Managing the credit secretariat and managing and optimizing the (risk) policy.
- Commercial Property Finance
Head of Relationship management/Expert Team Portfolio manager/ Director a.i.
Propertize B.V.
01.2006 - 10.2015
- I worked in the Performing Loans / Investment Financing Netherlands departments under various job titles for 10 years.
- Among other things, I acted as (cooperative) supervisor to a team, first approver and / or author of (complex) credit proposals, (deputy) manager / director and team coordinator.
- Especially associate as well as a connector between various departments within the entire organization.
- Assessing and monitoring mortgage and financing applications, credit proposals, revisions and interim updates (including debtor, real estate, financing) partly due to a granted first authorization.
- (Co-) writing of complex (approval) proposals for the Board of Management / Board of Directors.
- Advising the Executive Board / Board of Management on account management, credit applications, revisions, updates and authorization regarding real estate financing.
- Drafting various (un) requested reports, including for the benefit of the Board of Directors.
- Supervising compliance with legislation and regulations and setting up the department on this, as well as ensuring the completeness and accessibility of the property finance files.
- Managing and supervising assigned (team) employees.
- Acting as the first intermediary between departments (including Asset Management, Risk Management, CDD).
- Participating in and initiating (medium) large projects and department-surpassing activities.
- Keep active CDD policy (know your customer / due diligence).
- Formerly known as SNS Property Finance and Bouwfonds Property Finance
Senior Account Manager
ING Real Estate Finance
07.2000 - 12.2005
- Relationship management of large business accounts, giving guidance to (Internal) Account managers, drawing up and writing credit proposals, reviews and negotiating offers.
- To analyze, acquire and structure new loans.
- Assessments of real estate valuations and conducting cash flow calculations.
- Expert in the field of Real Estate Finance.
- Formerly known as Westland Utrecht Hypotheekbank
Senior Account Manager
ING Lease
07.1992 - 06.2000
- Relationship management of large business accounts, giving guidance to (Internal) Account managers, drawing up and writing credit proposals, reviews and negotiating offers.
- To analyze, acquire and structure (new) loans.
- Assessments of real estate valuations and conducting cash flow calculations.
- Expert in the field of (Truck/Car/equipment) Lease (Full Operational).
Education
English language training -
01.2024
English language training -
Regina Coeli
09.2017
Project Management -
Prince 2
01.2017
Property Management Masterclass -
NCOI
01.2015
Property Management -
VGM Experts
01.2012
Financial Management -
Novam Property Management
01.2011
Talent / Management - Development -
De Baak Driebergen
01.2009
Senior Account Manager training -
Krauthammer
01.1999
HES -
Hoorn // Amsterdam
01.1992
Dutch Language and Literature -
University of Utrecht
01.1988
VWO -
Thijcollege
Skills
- Microsoft Word
- Quality assurance
- Data analysis
- Credit risk management
- Team leadership
- Customer relationship management
- Portfolio management
- Excel
- PowerPoint
- Company-specific systems and programs
- Asset valuation
- Decision making
- Attention to detail
- Problem solving
Affiliations
- Lions Club Ommen – Dalfsen
- Roparun team Ommen
Certification
- English language training, 2018 - 2024
- English language training, Regina Coeli, 09/01/17
- Prince 2 (Project Management), 2017
- Property Management Masterclass, NCOI, 2015
- Property Management, VGM Experts, 2012
- Financial Management, Novam Property Management, 2010 - 2011
- Coaching Leadership, Boertien, 2007
- Senior Account Manager training, Krauthammer, 1999
Personal Information
Marital Status: Married/3 kids (girls in the age of 20, 18 en 15 year)
Timeline
Team Lead Commercial Property Finance Data remediation
ING Bank CR COO RISK
10.2017 - Current
Senior Credit & Real Estate Risk Officer
Propertize B.V.
11.2015 - 09.2017
Head of Relationship management/Expert Team Portfolio manager/ Director a.i.
Propertize B.V.
01.2006 - 10.2015
Senior Account Manager
ING Real Estate Finance
07.2000 - 12.2005
Senior Account Manager
ING Lease
07.1992 - 06.2000
English language training -
English language training -
Regina Coeli
Project Management -
Prince 2
Property Management Masterclass -
NCOI
Property Management -
VGM Experts
Financial Management -
Novam Property Management
Talent / Management - Development -
De Baak Driebergen
Senior Account Manager training -
Krauthammer
HES -
Hoorn // Amsterdam
Dutch Language and Literature -
University of Utrecht
VWO -
Thijcollege