Lombard Credit Risk Officer - Private Banking 100% (f/m/d)

Tasks

As a Lombard Credit Risk Officer, you are responsible for approving and monitoring credit risks for private clients. This makes you an important point of contact for client advisors in all credit matters. The aim is to understand, quantify, and correctly assess credit risks in order to avoid credit losses.

• Preparation of loan applications, analysis and assessment of loan applications with regard to the borrower, the guarantor, the collateral provided for asset-backed loans, the purpose of the loan, and the type of loan, such as cash loans, derivatives, and hedges.
• Approval of credit limits (depending on the risk carrier and limit amount)
• Approval of customer-specific special lending values
• Identification, analysis, and quantification of credit risks
• Ongoing monitoring of credit decisions made and identification and assessment of credit overruns based on collateral, as well as implementation of appropriate measures (e.g., in the case of margin calls)
• Giving presentations to customer advisors and team leaders
• Preparing and conducting training courses for credit specialists
• Collaboration on credit-related projects

Requirements

• Bachelor's degree or completed degree at a university (economics, banking, finance, law), or equivalent training or professional experience
• Several years of experience in Lombard lending is an advantage
• Solid expertise in the credit-related handling of life insurance policies (wrappers, ULIP) is a plus
• Interest in how financial markets and financial institutions work
• Good IT skills (Word, Excel, PowerPoint)
• Excellent analytical skills
• Independent, dependable, and team-oriented personality with strong negotiation skills
• Very good German and English skills (spoken and written), other languages are an advantage

We offer

The opportunity to be part of a team that is shaping the future of wealth management.