Senior Private Client Credit Officer

What awaits you?

Key responsibilities

• Evaluate, approve or reject credit applications within the assigned competencies.
• Ensure the "Back" role in the Front/Back function separation for non-standard private client files.
• Support and advise client advisors in analysing, structuring and processing financing requests.
• Identify, assess and communicate risks related to credit operations, while proposing appropriate solutions.
• Analyse requests for special or exceptional authorisations and coordinate, if necessary, risk transfers with Raiffeisen Switzerland.
• Ensure periodic review of credit commitments and compliance with regulatory and internal requirements.
• Participate in the monitoring of Recovery files and support the teams concerned in managing complex situations.
• Contribute to the monitoring of the credit portfolio and control compliance with agreed conditions.

• Close collaboration with Front units and Risk teams.
• Participation in the continuous improvement of credit processes and cross-functional projects related to risk management.

What do you bring?

Proven experience

• Minimum 5 years of experience in analysing, validating or managing credits for private clients.
• Strong knowledge of mortgage financing and usual guarantees.
• Experience in managing complex situations or Recovery files is an asset.
• Skills in property valuation, an advantage.

• Excellent command of financial analysis and repayment capacity of private clients.
• Very good knowledge of banking regulations and credit risk management principles.
• Ability to assess complex situations and make well-founded and consistent decisions.

• Completed banking training supplemented by higher education (federal certificate, ES diploma, HES or equivalent).
• Specialisation in credit or risk field is an advantage.

• Rigor and sense of responsibility.
• Analytical and critical thinking.
• Ability to argue and defend a position constructively.
• Excellent interpersonal skills and a taste for teamwork.
• Solution orientation and sense of priorities.

We work in a friendly environment

Cooperative values are our pillars. Together. For each other. They shape how we collaborate and behave towards one another. The culture of informal address fosters personal closeness and exchanges on an equal footing at all levels of function.

We live diversity and equal opportunities

We encourage diversity of perspectives, experiences and skills within our teams. This diversity is our strength and contributes decisively to our success.

We encourage personal and professional development

Lifelong learning is an integral part of our culture. We create a space conducive to the professional and personal development of each individual and support our employees in a targeted manner, thanks to a varied internal training offer as well as participation in external advanced training costs.

We offer attractive conditions and social benefits

Our employees benefit from exclusive advantages on banking products, various discounts with third parties as well as financial stability and above-average retirement provision.

Do you have any questions?

For questions about the job content:

Nathalie Gremaud Human Resources Manager (f) +41 (26) 9132790

For questions about the application process:

Nathalie Gremaud Human Resources Manager (f) +41 (26) 9132790

We look forward to receiving your online application

About us