Credit Consultant (Real Estate Financing)

TL;DR

Credit Consultant (Real Estate Financing): Developing and structuring mortgage and real estate financing solutions for high-net-worth private clients and real estate companies with an accent on credit analysis, property valuation, risk assessment, and financing strategy. Focus on structuring complex transactions, reviewing decision-ready credit applications, and maintaining high standards of mortgage portfolio quality.

Location: Zurich, Switzerland; onsite role

Company

hirify.global is a Zurich-headquartered, family-owned and publicly listed financial services company with more than 2,000 professionals across 28 locations.

What you will do

• Support Relationship Managers in advising high-net-worth clients from Switzerland and abroad, as well as real estate companies.
• Analyze client wealth situations, financing objectives, affordability, loan-to-value ratios, creditworthiness, and collateral quality.
• Develop and structure mortgage solutions for residential, vacation, luxury, and income-generating investment properties.
• Review financing applications for alignment with mortgage strategy, risk appetite, internal policies, and regulatory requirements.
• Conduct and interpret hedonic property valuations and perform quality assurance reviews of mortgage dossiers.
• Prepare clear, comprehensive, and decision-ready applications for Credit Management.

Requirements

• Higher education in banking, finance, or a related field, or an equivalent qualification.
• At least 7 years of professional experience in the Swiss mortgage and real estate financing market.
• Proven experience advising high-net-worth clients in Switzerland and internationally, including clients with complex wealth structures.
• Strong expertise in financial analysis, client advisory, mortgage products, financing concepts, strategies, and pricing methodologies.
• Hands-on experience independently conducting and interpreting hedonic property valuations, with experience collaborating with Credit Management or Risk Management.
• Fluent English, French, and Italian required in both written and spoken communication.

Nice to have

• Additional qualifications in real estate financing, credit business, or risk management.
• Knowledge of Lombard lending or other additional financing solutions.
• German or other additional language skills.
• Affinity for AI-enabled tools and ways of working.

Culture & Benefits

• Central Zurich location with collaboration spaces and free lunch.
• Friendly, diverse team in an open-office environment.
• Access to modern technology and opportunities for professional development.
• Agile ways of working, flat hierarchy, and collaboration across levels.
• Collaborative campus-style working environment.