Credit Consultant (Real Estate Financing)

Location: Zürich, Switzerland

Company

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

What you will do

• Support Relationship Managers in advising high-net-worth private clients from Switzerland and abroad, as well as real estate companies.
• Analyze client needs, wealth situations, financing objectives, affordability, loan-to-value ratios, creditworthiness, and collateral quality.
• Develop and structure mortgage and real estate financing solutions for owner-occupied homes, vacation properties, luxury residences, and income-generating investment properties.
• Advise on mortgage strategies, product selection, term structures, and pricing, and accompany complex client meetings.
• Review and pre-assess financing applications, optimize dossiers, and ensure compliance with mortgage strategy, risk appetite, internal policies, and regulatory requirements.
• Conduct and interpret hedonic property valuations, identify risks and mitigation strategies, and submit clear, decision-ready applications to Credit Management.

Requirements

• Completed 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 private clients in Switzerland and internationally, including clients with complex wealth structures.
• Strong expertise in client advisory, financial analysis, and structuring complex mortgage financing solutions.
• Hands-on experience independently conducting and interpreting hedonic property valuations.
• Comprehensive knowledge of the Swiss mortgage market, mortgage products, financing concepts, mortgage strategies, and pricing methodologies.
• Experience collaborating with Credit Management, Risk Management, or credit approval functions.
• Fluent written and spoken English, French, and Italian.
• Strong professional credibility, seniority, communication, client relationship management, analytical thinking, conceptual problem-solving, quality awareness, risk consciousness, accountability, and solution-oriented decision-making.

Nice to have

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

Culture & Benefits

• Top Zurich location with collaboration spaces and free lunch.
• Friendly, diverse team in an open-office environment.
• Latest technology, agile ways of working, and a collaborative culture.
• Flat hierarchy, collaboration across levels, and a campus-style environment.