Context:The Credit Book of the Bank generates a large proportion of its revenues and is one of the main risks on its balance sheet.
Job summary: The Lombard Credit Officer is responsible for the analysis, granting, daily monitoring and implementation of Lombard facilities. In addition to his controlling function, the Lombard Credit Officer acts as a point of contact and facilitator in support of the Front-Office. In the absence of the Head of Credit he will act as his deputy.
- Handling, analysing, sanctioning, or recommending Credit Applications received from the Front Office for all types of Lombard credit operations, based on the Bank’s Credit Rules
- Analysing complex and/or non-standard requests (exceptions to policy) and issuing risk-based, specific recommendations to the attention of the Credit Committee taking account of the Bank’s risk appetite
- Permanent Control of the Clients Credit Book (monitoring of client’s credit exposures, management of collateral shortfall situation in collaboration with Front Office, addressing margin calls and triggering collateral liquidations)
- Performing Credit Office administrative tasks (issuing credit documentation, inputting credit limits and loans in the IT systems)
- Acting as a pit-stop point for the Front Office for all credit related requests
- Full back-up of the Head of Credit in his absence
- Performance of controls (Validation of cash and securities transfers (credit check, control of client’s instructions)
- Production of statistics and KPIs, supporting the Head of Credit on administrative tasks
Professional experience & competencies:
- Five to ten years’ experience in Lombard credit
- Experience in Swiss Mortgages and life insurance policy financing would be a plus
- Good communication and leadership skills.
- Deep knowledge in financial assets and good understanding of derivative products
- Ability to work with complex and extensive datasets
- Strong problem-solving skills
- Ability to synthetize and present complex information clearly
Personal competencies:
- Strong “internal client orientation” with a real capacity to bring added value by supporting and advising stakeholders, building trust relationships
- Self-motivated and proactive, with the ability to work independently
- Ability to work effectively under pressure in a fast pace environment
- Strong analytical skills, detail-oriented, precise and rigorous
- Good team player
Language requirements:
- French and English (fluency level). fluency in German and Italian would be a plus.
IT Skills:
- Strong command in MS office with extensive competencies in Excel formulas.
- G2 credits applications an asset
Education:
- CFC in Banking, a Bachelor degree in banking related fields would be a plus.
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