Job offer
Senior Mortgage Officer - IPRE 100% (f/m/d)
The Julius Baer Group is seeking a Senior Mortgage Officer - IPRE 100% (m/f/d) to be responsible for all aspects of mortgage risk for private and international banking clients. The successful candidate will analyze, structure, and monitor loan applications, advise internal clients, and collaborate with other departments.
Tasks
- Responsibility for all aspects of mortgage risk in a portfolio of domestic and international private banking clients
- Evaluation, analysis, structuring, approval, implementation, and monitoring of mortgage loan applications/transactions involving private mortgages, income-generating real estate (IPRE), and construction and development loans
- Providing credit counseling services to internal clients and collaborating with mortgage advisors and relationship managers (first line of counseling)
- Determination or risk assessment for a credit facility
- Assessment of the borrower and the collateral with respect to credit, structural, legal, and compliance risks, as well as reputational damage
- Identification of concentration risks in collateral and/or exposures
- Ongoing monitoring of credit exposure; resolution of delinquent debt payments
- Regular review of approved limits within the assigned portfolio
- Administrative tasks within the portfolio, such as mortgage posting and 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 training for the private banking front office
- Contribution to credit-related projects and process improvements
- Collaboration with attorneys and external consultants to draft non-standard documents related to credit transactions
- Planning and conducting training sessions for mortgage officers and mortgage advisors
Requirements
- A college 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 industry, with a focus on IPRE; additional knowledge 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 knowledge of the legal aspects 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
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