Real Estate Credit Specialist

 — Geneve
07 May | Employee | 100%

Client:
Leading and long-established Swiss bank with a very strong presence across Switzerland as well as globally.  They offer bespoke private banking services to its HNW and UHNW clients as well as being strong on corporate banking and asset management.  One of the best Swiss banks in terms of recent expansion and excellent management of cost income ratio - a very stable bank with excellent reputation. Working very closely with their other Swiss offices as well as covering a global residential/commercial property portfolio.   In addition, they offer a friendly and dynamic place to work, with a broader role, in a more human-sized organisation with good visibility and career prospects. A meritocratic environment for a flexible and open-minded credit mortgage specialist or equivalent, used to a medium-sized structure, comfortable in a broad role doing all the property lending credit work from A-Z.

This is a client that Finders know very well and work with often so have quite some influence so this should give added comfort to potential candidates applying via Finders.   

Real Estate Credit Specialist

Client:
Leading and long-established Swiss bank with a very strong presence across Switzerland as well as globally.  They offer bespoke private banking services to its HNW and UHNW clients as well as being strong on corporate banking and asset management.  One of the best Swiss banks in terms of recent expansion and excellent management of cost income ratio - a very stable bank with excellent reputation. Working very closely with their other Swiss offices as well as covering a global residential/commercial property portfolio.   In addition, they offer a friendly and dynamic place to work, with a broader role, in a more human-sized organisation with good visibility and career prospects. A meritocratic environment for a flexible and open-minded credit mortgage specialist or equivalent, used to a medium-sized structure, comfortable in a broad role doing all the property lending credit work from A-Z.

This is a client that Finders know very well and work with often so have quite some influence so this should give added comfort to potential candidates applying via Finders.   

Real Estate Credit Specialist
1238

Position:
Are  you a dynamic and experienced real estate specialist with a few years' experience under your belt?  Perhaps your experience comes from private banking but it could equally come from asset management, commercial real estate valuation, property finance or construction/engineering for example?  Do you have at least some knowledge of credit and lending?  This could a very exciting opportunity to join a dynamic bank working as part of their credit mortgage team on some exciting deals as well as lots of procedures and processes - a busy desk! 

Joining a vibrant team, your strong property knowledge should also be combined with being able to roll up sleeves on the processes and procedures that go with it (e.g legal documentation, dossier administration, liaising with the valuers and different internal and external stakeholders, the bankers etc) as well as that "deal mind set".  The role is primarily focused on commercial property but also some residential mortgages too. Covering an interesting portfolio of properties across the whole of Europe, Switzerland, the UK and the US.   

The precise location of this job can be flexible at this stage, suffice to say it will be based in either Basel or Geneva and some travel between these offices will be needed.   (No home working as the norm, except if government health guidelines dictate).  This is a 100% job. 

The main tasks will consist of preparation and control of credit requests/reviews according to credit competencies along with the implementation and monitoring of the credit decisions taken.

In addition, your role as senior credit officer will include, but not limited to:
  • Working closely together with the Front Office team and credit departments of other entities in order to give support in the implementation of new credits or reviews maintenance process
  • Identifying and analysing of financial figures and reports with a focus on selected markets
  • Liaising with external parties, e.g. legal counsels and appraisers
  • Working closely with the other credit teams (monitoring team,lombard team, LTV and counter-party credit risk team) as appropriate as well as close cooperation with the legal and compliance teams
  • Being involved in all aspects of the transaction - to include the origination, the analysis, the implementation and monitoring as well as all the necessary administration that goes with it
Profile:
  • At least 4+ years of relevant work experience as a credit professional from within banking or else a commercial property background or equivalent (see above)
  • University degree in a relevant field and/or education in business administration, finance, law, real estate, engineering
  • Commercial property and residential real estate lending experience - both a must in some form or other
  • Strong on the legal and controlling aspects of property lending
  • At ease communicating at all levels with various stakeholders - able to "face off" with front office
  • A resilient and motivated personality who is happy to "roll up sleeves and muck in"
  • A flexible, open-minded and adaptable person at ease in a broad role who is a team player but very autonomous
  • Strong IT skills (Work, Excel, Powerpoint, Avaloq a plus)
  • Happy to work out of Geneva and/or Basel + some travel
  • Fluent English; German a very strong plus but not a must and some French a nice to have
  • You are already based in Switzerland with valid work permit - strongly preferred;  those with compelling reasons to relocate also considered provided eligible for a work permit (Swiss/EU/ EEA/British nationals etc) 

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