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

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. Providing credit advisory services to internal clients and collaborating with mortgage advisors and relationship managers (first line of defense). - Determination or risk assessment for credit evaluation - Assessment of the borrower and collateral with regard to credit, structural, legal, and compliance risks, as well as reputational damage - Identification of concentration risks in collateral and/or exposure - Continuous monitoring of credit exposure; Resolving delinquent debt services - Regular review of approved limits within the assigned portfolio - Administrative services within the portfolio, e.g., mortgage booking and proper loan documentation - Representing other mortgage officers and team leaders in their absence - Supporting mortgage advisors in all credit-related matters and establishing regular and proactive contact, providing advisory services to the private banking front office - Contributing to credit-related projects and process improvements - Collaborating with legal and external advisors to draft non-standard documents related to credit transactions - Preparing and conducting training sessions for mortgage officers and mortgage advisors

Requirements

- Bachelor’s degree or a degree from a university of applied sciences (business, banking, finance, 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 operate - Proven knowledge of relevant real estate markets - In-depth legal knowledge regarding mortgage documents and loan structures - Strong IT skills (Word, Excel, PowerPoint) - Excellent analytical skills; independent, reliable, and team-oriented with strong negotiation skills - Full professional proficiency in German and English (written and spoken); additional languages are a plus

We offer

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