Description

As a Senior Mortgage Advisor, you will engage with high-net-worth clients to provide tailored mortgage solutions while ensuring compliance with regulations. Your role involves structuring complex deals, collaborating with various teams, and enhancing digital tools to streamline processes.

Requirements

• •7+ years of experience in Swiss mortgage advisory and complex real estate financing
• •Professional background in private banking, wealth management, or a Swiss universal bank
• •Deep technical knowledge of Swiss mortgage products, affordability rules, collateral valuation and real estate market specifics
• •Customer-centric mindset, excellent communication skills, and analytical thinking
• •Strong understanding of FINMA regulations, credit policy application and risk frameworks
• •Fluency in Italian and English; French and German as additional assets

Tasks

• •Manage end-to-end mortgage advisory and sales activities
• •Provide expert guidance on real estate financing
• •Structure complex mortgage deals
• •Ensure compliance with internal guidelines and external regulations
• •Serve as the first line of defense for mortgage advisory activities
• •Adhere to credit policies, FINMA regulations, and risk standards
• •Oversee assessment and structuring of financing solutions
• •Prepare and deliver credit requests to Credit Risk and the Credit Committee
• •Promote best practices in affordability analysis and collateral valuations
• •Engage with (U)HNWI clients seeking financing for Swiss real estate
• •Deliver tailored mortgage solutions to clients
• •Collaborate with private banking and wealth planners for integrated client coverage
• •Represent the mortgage advisory function in client meetings and strategic discussions
• •Support implementation of digital tools and mortgage platforms
• •Enhance CRM systems and process automation for efficiency
• •Ensure high-quality advisory processes and documentation standards
• •Collaborate with technology, operations, and risk divisions to optimize workflows