Job offer
Senior Mortgage Officer - IPRE 100% (f/m/d)
Julius Baer Bank is seeking a Senior Mortgage Officer to be responsible for the risk assessment and monitoring of mortgage loans for residential and commercial real estate. The ideal candidate has several years of experience in the mortgage sector, particularly in the area of Income-Producing Real Estate (IPRE), and possesses strong analytical skills.
Tasks
Responsible for all mortgage risk aspects of a portfolio of domestic and international private banking clients. Assess, analyze, structure, approve, implement, and monitor mortgage loan applications/transactions for private mortgages, income-generating real estate (IPRE), and construction and development loans. Provide credit advisory services to internal clients and collaborate with mortgage advisors and relationship managers (first line of advice) for internal clients.Tasks in detail
- Determining the risk class for a credit facility
- Assessment of the borrower and the collateral with regard 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 debts
- 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 services to the private banking front office
- Contribution to credit-related projects and process improvements
- Collaboration with attorneys and external consultants to draft non-standardized 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 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
No information available.Job details
Training opportunities powered by skillaware.