What would your role be? Advisory and Structuring Support Relationship Managers in advising high-net-worth private clients from Switzerland and abroad, as well as real estate companies. Accompany Relationship Managers in demanding client meetings involving complex financing requests. Analyze clients' needs, wealth situations and financing objectives. Develop and structure mortgage and real estate financing solutions for owner-occupied homes, vacation properties, luxury residences and income-generating investment properties. Advise clients on mortgage strategies, product selection, term structures and pricing. Structure complex financing transactions in close collaboration with Relationship Managers and Credit Management. Gatekeeper Function Ensure that financing applications are aligned with the bank’s mortgage strategy and defined risk appetite. Review, optimize, or return incomplete applications and submissions that do not comply with internal policies and guidelines to the Relationship Managers. Conduct an expert pre-assessment of financing applications, including evaluating feasibility and ensuring dossier quality prior to submission to Credit Management. Contribute to the sustainable maintenance of credit quality and support the ongoing development of the bank’s risk culture. Analysis and Quality Assurance Independently conduct, interpret, and validate hedonic property valuations. Assess affordability, loan-to-value ratios, creditworthiness, and collateral quality. Identify and analyze risks and develop appropriate mitigation strategies and financing solutions. Prepare and perform quality assurance reviews of mortgage financing dossiers. Ensure compliance with internal policies, credit guidelines, and regulatory requirements. Take responsibility for the preparation and submission of clear, comprehensive, and decision-ready financing applications to Credit Management.
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, we’re committed to long-term thinking and sustainability. Our diverse team values unique perspectives, and we hire individuals determined to deliver in a dynamic and changing world. Even if you don’t meet all the criteria, we encourage you to apply if you’re enthusiastic about the role.
