Mortgage Credit Risk Officer

Mission

• Provide credit solutions to facilitate sustainable growth, aligned with the Group’s risk appetite; analyze, approve or submit for approval, document and monitor respective risks in Mortgages;
• Daily risk monitoring of cases escalated: credit facilities, credit exposure, credit grading, single credit excesses and counterparty exposures; 
• Portfolio assessment and identification of potential risks in the Mortgages’ portfolio.

Tasks and responsibilities

• Oversee the activities and work performed by the Lending Administration / Appraisal’s teams for Mortgage cases assessed;
• Make reasonable credit decisions within his/her own competence and make recommendations for the decisions falling beyond his/her competence and coordinate the submissions of the mortgage files from international locations;
• Inform adequately and proactively the Group Head of Credit about identified risks and actions taken (especially identifying the cases which should be subject to the supervision of the Recovery team);
• Support the Group Head of Credit in specific overarching tasks / projects when needed.

Skills and qualifications

• University degree in economics or finance;
• Min 6 years of professional experience in the credit sector in a financial institution;
• Detailed knowledge of mortgage lending products and processes in both fields, credit decisions and credit administration (for Switzerland, UK and French properties preferably);
• Languages: English is mandatory, French and German would be a plus;
• Ability to communicate and debate in a well-structured, logical and concise way;
• Negotiation skills and solution-oriented approach;
• Entrepreneurial thinking and ability to work under pressure;
• Team spirit;
• Capacity to adapt in a new environment.

Our company

EFG Bank is the Swiss private banking subsidiary of EFG International. Headquartered in Zurich, it has an international network spanning Europe, Asia Pacific and Latin America, and manages assets for private clients all over the world. The bank’s services comprise asset management and investment counselling, investment funds, securities brokerage, estate planning and a full array of banking services. EFG Bank offers a stimulating and dynamic work environment.