Mortgage Credit & Risk Officer - Private Banking

Julius Baer; Zürich; On-site; CHF 110,000 - 170,000; Full time

Job summary

Julius Baer is seeking a Credit Officer for Mortgages in Zürich to act as the second line of defense in underwriting and servicing for private banking clients. You will assess credit risk, ensure regulatory compliance, and support front-line teams in delivering sound mortgage solutions.

This role blends risk oversight with operational excellence, requiring collaboration with Mortgage Advisors, Relationship Managers, and internal stakeholders to maintain data quality and drive process

Qualifications

• 3–5+ years of mortgage lending experience in private banking or wealth management.
• Solid understanding of mortgage underwriting, product structures, and risk mitigation.
• Familiarity with Swiss banking regulations.
• Ability to manage priorities and deliver high-quality results independently.
• Team player with cross-functional collaboration and strong communication.

Responsibilities

• Evaluate mortgage requests within personal approval authority and assess borrower creditworthiness.
• Provide feedback and recommendations to Mortgage Advisors and Relationship Managers.
• Ensure transactions meet legal, regulatory, and internal requirements.
• Perform servicing and lifecycle administration of active mortgage facilities.
• Drive data quality improvements across current and new mortgage positions.
• Contribute to process optimisation with stakeholders.
• Maintain regular contact with Mortgage Advisors and the Julius Baer Real Estate Team to support efficient transaction execution.

Skills

Mortgage Lending

Credit Risk

Underwriting

Regulatory Compliance

Stakeholder Management

Communication

Education

Bachelor’s degree in Finance

Job description

Julius Baer is seeking a Credit Officer for Mortgages in Zürich to act as the second line of defense in underwriting and servicing for private banking clients. You will assess credit risk, ensure regulatory compliance, and support front-line teams in delivering sound mortgage solutions.

This role blends risk oversight with operational excellence, requiring collaboration with Mortgage Advisors, Relationship Managers, and internal stakeholders to maintain data quality and drive process