Credit Consultant

Real Estate Financing Solutions in Zurich serves as the bank's Center of Excellence for mortgages and real‑estate financing, supporting the Private Clients Unit with a holistic advisory approach for high‑net‑worth individuals. As a Credit Consultant you will help shape the Financing Advisory & Structuring function, working closely with Relationship Managers to deliver tailored mortgage and property‑finance solutions for private clients in Switzerland, abroad, and for real‑estate companies. Your daily work will involve analysing clients' wealth situations and financing objectives, then designing and structuring mortgage solutions for owner‑occupied homes, vacation properties, luxury residences and income‑generating assets. You will act as a gatekeeper, ensuring every financing application complies with the bank's mortgage strategy and risk appetite, reviewing incomplete dossiers, and performing expert pre‑assessments. The role also requires independent hedonic property valuations, affordability checks, loan‑to‑value analysis, and the preparation of decision‑ready files for Credit Management, while contributing to the bank's risk culture and credit‑quality standards. The position demands a completed higher education in banking, finance or a related discipline, together with at least seven years of professional experience in the Swiss mortgage and real‑estate financing market. Fluency in English, French and Italian, both written and spoken, is essential. You must bring proven expertise in client advisory, financial analysis and the structuring of complex mortgage transactions, as well as hands‑on experience conducting and interpreting hedonic property valuations. A deep understanding of Swiss mortgage products, financing concepts, strategies and pricing, plus experience collaborating with Credit Management or Risk Management functions, are also required. The role is based in a modern Zurich office offering collaborative spaces, free lunch and the latest technology in an agile, flat‑hierarchy environment. The team is diverse and open‑office, fostering a campus‑like atmosphere. While the core qualifications are mandatory, additional credentials in real‑estate financing, credit or risk management are valued, as is familiarity with Lombard lending, an interest in AI‑enabled tools, and extra language skills such as German. What the role asks for: - Higher education in banking, finance or related field - Minimum 7 years Swiss mortgage and real‑estate financing experience - Fluent English, French and Italian (written and spoken) - Proven client advisory and complex mortgage structuring expertise - Independent hedonic property valuation experience - In‑depth knowledge of Swiss mortgage market and pricing - Experience collaborating with Credit Management or Risk Management - Additional qualification in real‑estate financing, credit or risk management (nice-to-have)