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

Job description

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.

Tasks

• Preparation of loan applications, analysis and assessment of loan applications with regard to the borrower, the guarantor, the collateral provided for securities-backed loans, the purpose of the loan, and the form of use, such as cash loans, derivatives, and settlements.
• Approval of securities-backed loans within the allocated credit authority (depending on risk grading and limit amount)
• Approval of customer-specific special credit approvals
• Identification, analysis, and monitoring of the credit portfolio
• Ongoing review of credit decisions made and identification and assessment of credit overruns covered by securities, as well as implementation of appropriate measures (e.g., in the event of margin calls)
• Supporting customer advisors, particularly in cases of regular and complex credit overruns, their resolution, and new credit applications
• Checking credit files for completeness
• Administration of portfolios, for example, approval of fixed advances, payment releases, and proper documentation of loans

Further tasks

• Support, advice, and training for assigned client advisors in private banking
• Giving presentations to customer advisors and team leaders
• Preparing and conducting training sessions for credit specialists
• Collaboration on credit-related projects

Requirements

• At least 11+ years of professional experience
• Excellent analytical skills
• Independent, dependable, and team-oriented individual with a history of successful negotiations
• Very good German and English skills (spoken and written), other languages are an advantage