Senior Credit Officer

Job description

Tasks

• Acting as deputy and substitute for the Chief Credit Officer when necessary, with significant strategic leadership role, decision-making authority, and direct responsibility for business results
• Support in developing and implementing a robust credit risk framework, policies, and procedures
• Credit officer capable of working with a high degree of independence on standard and complex residential mortgage transactions and Lombard credit facilities
• Review, analysis, and evaluation of credit transactions (standard and non-standard)
• Processing credit applications, including discussions with stakeholders
• Contact with headquarters on relevant credit-related issues to ensure compliance with group credit guidelines
• Participation in credit committees (both locally and at group level) with risk insights and challenges
• Credit advice for customer relationship officers and their teams to promote sustainable growth that is consistent with the Group's risk appetite and credit policy
• Proven comprehensive skills in coordinating specific initiatives and supporting teams and functions (e.g., special task force)
• Develop, implement, monitor, and amend local credit policies/procedures/internal guidelines in accordance with regulatory requirements
• Contribution to the preparation of all regulatory reports (ICAAP, RACI, PPR, etc.)
• Willingness to support the credit administration team in monitoring daily shortfalls and ensuring proper management and maintenance of the credit portfolio and credit files

Requirements

• Bachelor's degree in banking, finance, business administration, and risk management; master's degree would be preferred
• Proven leadership qualities
• Very good communication skills
• At least 8-10 years of relevant experience in credit risk management
• Fluent in French and English
• Good knowledge of the MS Office suite
• Ability to work independently and under pressure in a dynamic environment
• Entrepreneurial spirit and strong team player

We offer

• A dynamic and supportive working environment
• A fair and inclusive working atmosphere

Our values

• Accountability: Taking responsibility for tasks and challenges as well as continuous improvement
• Hands-on: Proactive approach to deliver qualitative results as quickly as possible
• Passionate: commitment and striving for excellence
• Solution-oriented: Focus on client outcomes and treating clients fairly with a risk-aware mindset
• Partnership: Promoting cooperation and teamwork; working together with an entrepreneurial spirit