Senior Mortgage Officer - IPRE 100% (f/m/d)

Tasks

• Responsible for all mortgage risks associated with a portfolio of domestic and international private banking clients
• Evaluation, analysis, structuring, approval, implementation, and monitoring of mortgage loan applications/transactions
• Providing credit counseling services to internal clients and collaborating with mortgage advisors and relationship managers (first line of defense)
• Sub-determination or risk assessment for credit rating
• Assessment of the borrower and the collateral with respect to credit, structural, legal, and compliance risks
• Identification of concentration risks in safety and/or exposure
• Ongoing monitoring of credit exposure; resolution of overdue/delayed payments
• Regular review of approved limits within the assigned portfolio
• Administrative tasks within the portfolio, such as recording mortgages and ensuring proper loan documentation
• Acting on behalf of other mortgage officers and team leaders in their absence
• Supporting mortgage advisors in all credit-related matters and establishing regular and proactive communication channels, providing advisory services to the private banking front office
• Contribution to credit-related projects and process improvements
• Collaboration with legal and external advisors to draft non-standard documents related to credit transactions
• Planning and conducting training sessions for mortgage officers and mortgage advisors

Requirements

• Bachelor’s degree or a degree from a university of applied sciences (in business, banking, finance, or law), or equivalent education or professional experience
• Several years of professional experience in the mortgage sector, with a focus on IPRE; additional knowledge in the field of commercial real estate is a plus
• Interest in how financial markets and financial institutions work
• Proven knowledge of the relevant real estate markets
• Comprehensive legal knowledge of mortgage documents and loan structures
• Good IT skills (Word, Excel, PowerPoint)
• Excellent analytical skills, independent, reliable, and a team player with strong negotiation skills
• Full proficiency in German and English (written and spoken); knowledge of additional languages is a plus

We offer