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

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 for residential mortgages, income-generating real estate (IPRE), and construction and development loans
• Providing credit counseling services to internal clients and working closely with mortgage advisors and relationship managers (first line of support) for internal clients
• Determination or risk assessment for a credit rating
• 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, as well as 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 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
• In-depth legal knowledge of mortgage documents and loan structures
• Good IT skills (Word, Excel, PowerPoint)
• Excellent analytical skills; independent, reliable, and team-oriented with strong negotiation skills
• Full proficiency in German and English (written and spoken); knowledge of additional languages is a plus

We offer