Overview
In this role you will lead the Financing Advisory & Structuring function within our Private Clients unit, supporting Relationship Managers to advise high-net-worth clients on mortgage and real estate financing. You will develop and structure financing solutions, influence pricing and strategies, and ensure high-quality credit submissions. You contribute to sustainable credit quality and efficient processes while collaborating with Credit Management and risk functions. This position combines advisory leadership with hands-on appraisal of complex financing with a client-focused impact.
Leistungen / Benefits
- Top Zurich location
- collaboration spaces and free lunch
- friendly, diverse team
- latest technology
- agile work environment
- flat hierarchy
Verantwortungsbereiche
- Support Relationship Managers in advising high-net-worth private clients and real estate companies
- Co-lead meetings with clients on complex financing requests
- Analyze clients' needs, wealth, and financing objectives
- Develop and structure mortgage and real estate financing solutions
- Advise on mortgage strategies, product selection, term structures and pricing
- Structure complex financing transactions with Relationship Managers and Credit Management
- Gatekeeper: ensure applications align with mortgage strategy and risk appetite
- Pre-assess financing applications for feasibility and dossier quality
- Contribute to sustainable credit quality and risk culture
- Independent hedonic property valuations and quality assurance of dossiers
- Ensure compliance with internal policies and regulatory requirements
- Prepare and submit clear, decision-ready financing applications to Credit Management
Zentrale Anforderungen
- 7+ years of professional experience in the Swiss mortgage and real estate financing market
- Proven experience with high-net-worth private clients in Switzerland and internationally
- Strong expertise in client advisory, financial analysis, and structuring complex mortgage financing
- Hands-on experience in hedonic property valuations
- Knowledge of Swiss mortgage market, products, financing concepts, pricing methodologies
- Experience with Credit Management, Risk Management, or credit approval functions
- Knowledge of Lombard lending is a plus
- Affinity for AI and willingness to use AI-enabled tools
- Strong professional credibility and presence
- Effective communication with high-net-worth clients
- Advisory and relationship management excellence
- Hedonic property valuations
- Affordability and loan-to-value analysis
- Credit risk assessment and mitigation
Credit Consultant in Zürich Arbeitgeber: Bank Vontobel
Als Arbeitgeber bieten wir Ihnen die Möglichkeit, in einem dynamischen und agilen Umfeld in Zürich zu arbeiten, wo Sie aktiv an der Weiterentwicklung unserer Kernbankenplattform mitwirken können. Unsere offene Arbeitskultur fördert kreative Ideen und Teamarbeit, während wir Ihnen durch moderne Technologien und kontinuierliche Weiterbildung hervorragende Entwicklungsmöglichkeiten bieten. Genießen Sie zudem zahlreiche Vorteile wie ein kostenloses Mittagessen und eine zentrale Lage, die Ihren Arbeitsalltag bereichern.
