Are you ready to lead high-stakes mortgage decisions while shaping the strategy of a credit portfolio? Within our Risk department, we are looking for someone to lead our Mortgage Lending – Credit Structuring and Approval team

What would your role be?

• Manage and lead the mortgage credit structuring and approval team, including hiring, development, coaching, and performance management of team members whilst promoting team spirit, collaboration, and a high-performance culture
• Foster a strong, shared risk culture within the team, promoting accountability, sound judgment, and adherence to the bank’s risk appetite and standards
• Actively manage the existing credit book and ensure appropriate oversight for all relevant processes and responsibilities within the mortgage lending process
• Drive and take full responsibility for the analysis, structuring and underwriting of larger and more complex mortgage requests
• Constructively challenge, offer solutions, and provide risk-oriented advice in structuring credit solutions and pro-actively work with stakeholders in the front organization to ensure implementable outcomes in line with the bank’s credit risk appetite and policies are met
• Proven capability to navigate complex discussions and confidently challenge viewpoints where appropriate
• Collaborate closely and communicate effectively with our front office, second line of defence, legal & compliance and senior management
• Actively support and take ownership for the implementation of the mortgage strategy incl. related projects and initiatives as special matter expert
• Constantly drive development and improvement of our credit processes to increase efficiency and effectiveness

What are we looking for?

• University degree in Banking & Finance or equivalent higher education
• At least 15+ years of proven experience and expertise in a Swiss mortgage credit underwriting function in the financial industry
• Excellent understanding and in-depth knowhow of the Swiss mortgage business with international clientele, related end-to-end processes and the Swiss real estate market
• Strong analytical and structuring skills, combined with a “can-do” attitude, an ability to judge risks independently and enable business thanks to also a strong client and service-focus
• Strong negotiation and communication skills in German and English (additional French and/or Italian would be an asset), combined with the ability to develop and maintain a professional stakeholder management
• Experience in the management of a small team as well as a Swiss mortgage book

What do we offer?

• Top Zurich location with collaboration spaces (including rooftop terraces) and free lunch
• Friendly, diverse team in an open-office space
• Agile environment in how we think, the way we work and our trust for each other
• Flat hierarchy with collaboration at all levels
• Campus feeling and a collaborative spirit
• We are looking for talented people, not just a CV that ticks all the boxes. Even if you do not have absolutely everything we have asked for, if this role sounds like a good fit for you, we encourage you to apply

At Vontobel, you are building better futures for our clients and society, as well as for yourself. As a family-owned and publicly listed company with over 2,000 professionals based in 28 locations globally and headquartered in Zurich

committed to long-term thinking and sustainability

enthusiastic about the role

Asset Management

Patriot Act Certification

Deposit Insurance Scheme