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

At Julius Baer, we celebrate and value the individual qualities you bring, enabling you to be impactful, to be entrepreneurial, to be empowered, and to create value beyond wealth. Let’s shape the future of wealth management together.

Responsible for all Mortgage risk aspects of a portfolio of domestic and international private banking clients. Assess, analyse, structure, approve, implement and monitor Mortgage credit requests / transactions across private mortgages, income producing real estate (IPRE), construction and development loans. Provide credit advisory service to internal clients and work hand-in-hand with Mortgage Advisors and RM’s (first line of defense) to customise appropriate solutions for the end clients.

YOUR CHALLENGE

• Preparation and approval of credit limits within the delegated credit approval authority (depending on risk rating and amount)

• Determination of risk rating for a credit facility

• Assessment of borrower & collateral with regards to credit, structural, legal & compliance and reputational risk

• Identification of concentration risk in collateral and / or exposure

• Ongoing monitoring of credit exposure; resolving of overdue debt services,

• Regular review of approved limits within the assigned portfolio

• Administration duties within the portfolio, e.g. mortgage booking and proper credit documentation

• Deputize other Mortgage Officers & Team Head in their absence

• Support Mortgage Advisors in all credit related matters and establish regular and proactive contact, providing advisory credit training to Private Banking front office

• Contribution in credit related projects and process improvements

• Work with legal and external counsel to draft non-standard documents related to credit transactions

• Preparation and performing of training session for Mortgage Officers and Mortgage Advisors

YOUR PROFILE

• Bachelor's degree or completed studies at a university of applied sciences (economics, banking, finance, law), or equivalent education or professional experience

• Several years of professional experience in the mortgage sector with focus on IPRE, additional Commercial Real Estate knowledge is and advantage

• Interest in the functioning of financial markets and financial institutions

• ​Proven knowledge of the relevant real estate markets

• Profound knowledge on legal aspect regarding mortgage documents and borrowing structures

• Good IT skills (Word, Excel, PowerPoint)

• Excellent analytical skills, independent, reliable, and team-oriented personality with negotiating skills

• Full professional proficiency in German and English (written and spoken), additional languages are an advantage

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