Consultant – Lombard Credit Risk

Jobtailor; Zürich; Vor Ort; CHF 140.000 - 190.000; Vollzeit

Zusammenfassung

Jobtailor in Zürich seeks a skilled credit risk professional with Lombard lending expertise to advise on collateral, monitor portfolios, and support relationship managers. A solid background in private banking lending and risk management is essential.

The role requires German and English proficiency, strong analytical skills, and a keen interest in digitalising processes. You will interact across departments to ensure compliance and portfolio profitability.

Qualifikationen

• Advanced Federal Diploma of Higher Education, Bachelor’s or Master’s in economics, banking & finance, or law.
• Solid lending experience in a private banking environment, Lombard loans, mortgages, or credit risk management.
• Knowledge of life insurance products.
• Interest in financial markets and banking products.
• Strong analytical skills and a team-oriented personality.
• Ability to handle complex tasks independently.
• Reliable and independent with strong analytical skills.
• Team-oriented and communicative.
• Strong commitment to quality.
• Affinity for banking software (e.g., SAP, Avaloq, SimCorp, Finnova).
• Interest in digitalising the department and process automation.
• Proficient in MS Office (Word, Excel, PowerPoint).
• Fluency in German and English.

Aufgaben

• Provide risk-oriented advice on Lombard lending, guarantees, collateral, financing, and fund use.
• Analyze Lombard credit risks, including derivatives.
• Submit credit applications to Risk Committee for decisions.
• Prepare credit documentation and verify files.
• Process and monitor approved transactions.
• Monitor Lombard credit portfolios to reduce margin risk.
• Check collateral adequacy and credit limits.
• Monitor decisions and identify adverse developments early.
• Handle credit breaches and margin calls.
• Support Relationship Managers with credit limits and complex loans.
• Review collateral quality and remediation with Relationship Managers and Risk Analysts.
• Support client-facing activities to improve portfolio profitability.
• Contribute to digital development of departmental processes and test new solutions.
• Handle ad hoc projects.

Kenntnisse

Credit risk analysis

Analytical thinking

Team oriented

Independent

Strong communication

Ausbildung

Advanced Federal Diploma of Higher Education

Bachelor's degree in Economics

Master's degree in Banking and Finance

Law degree

Tools

SAP

Avaloq

SimCorp

Finnova

MS Office

Jobbeschreibung

Job Responsibilities

• Provide risk-oriented advice on all aspects of Lombard lending, including guarantees, collateral, financing, and permitted uses of funds
• Analyze complex client inquiries and identify, analyze, calculate, and assess Lombard credit risks, including derivatives
• Submit credit applications to the Risk Committee for decision-making
• Prepare credit documentation and contracts, and verify that credit files are complete
• Process and monitor approved transactions
• Monitor Lombard credit portfolios to reduce margin call risks
• Monitor specific credit limits and control the adequacy of collateral coverage
• Continuously monitor approved Lombard credit decisions and identify adverse developments at an early stage
• Handle credit breaches and implement appropriate measures, such as in the event of margin calls
• Support Relationship Managers with regular and exceeded credit limits, particularly in connection with complex Lombard loans
• Review applications with regard to collateral and quality, including remediation in cooperation with Relationship Managers and Risk Analysts
• Support Relationship Managers in client-facing activities to improve portfolio profitability and performance
• Contribute to the digital development of departmental processes and test new solutions
• Handle ad hoc projects

Requirements

• Advanced Federal Diploma of Higher Education, bachelor's, or master's degree in economics, banking and finance, or law
• Solid professional experience in lending at a private bank, particularly in Lombard loans, mortgages, corporate lending, financing, or a related field, or in credit risk management
• Knowledge of life insurance products
• Interest in financial markets and banking products
• Strong analytical skills and a team-oriented personality
• Interest in independently handling complex tasks and subject matter
• Independent, reliable personality with strong analytical skills
• Team-oriented and communicative
• Strong commitment to quality
• Affinity for banking software, such as SAP, Avaloq, SimCorp, or Finnova
• Interest in the digitalization of the department and process automation
• Proficiency in MS Office applications, including Word, Excel, and PowerPoint
• German and English language skills

Core Competencies

Demonstrates expertise in Lombard lending, credit risk analysis, and collateral management, with a strong focus on client relationship support and process digitalization. Proficient in handling complex financial inquiries and ensuring compliance with credit policies.

Highest-signal resume keywords

• Lombard Lending Expertise
• Credit Risk Management
• Analytical Skills
• Banking Software Proficiency
• Bilingual in German and English

Hard Skills

• Credit Risk Analysis
• Collateral Management
• Credit Documentation Preparation
• Transaction Monitoring
• Financial Market Knowledge
• Lending Experience
• Derivatives Assessment
• Credit Application Submission
• Margin Call Management
• Process Automation

Soft Skills

• Team-Oriented
• Strong Commitment to Quality
• Independent and Reliable
• Communicative
• Analytical Personality

Certifications & Qualifications

• Advanced Federal Diploma of Higher Education
• Bachelor's Degree in Economics
• Master's Degree in Banking and Finance
• Law Degree

Industry Keywords

• Lombard Loans
• Corporate Lending
• Mortgages
• Financial Products
• Credit Portfolios

Tools & Technologies

• SAP
• Avaloq
• SimCorp
• Finnova
• MS Office