Borrower's Certification & Authorization Template for Switzerland

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Key Requirements PROMPT example:

Borrower's Certification & Authorization

"I need a Borrower's Certification & Authorization document under Swiss law for a commercial real estate loan application, with specific focus on property verification and corporate financial information authorization, to be used by March 2025."

Document background

The Borrower's Certification & Authorization document is a fundamental requirement in Swiss lending processes, typically used during the initial stages of loan applications. It serves dual purposes: first, as a formal certification by the borrower that all provided information is accurate and complete, and second, as an authorization framework allowing lenders to verify this information with third parties. This document is particularly important in the Swiss context due to strict banking regulations and data protection laws, requiring explicit consent for information sharing and verification. The document typically precedes the main loan agreement and forms part of the loan application package, being essential for compliance with Swiss banking regulations and risk management procedures. The scope and content of the Borrower's Certification & Authorization may vary depending on the loan type (consumer, commercial, mortgage) but maintains core elements ensuring legal compliance and proper due diligence.

Suggested Sections

1. Borrower Identification: Full legal name, address, and identification details of the borrower

2. Purpose Statement: Clear statement of the document's purpose regarding loan application and information verification

3. Information Certification: Borrower's certification that all provided information is true, accurate, and complete

4. Financial Information Declaration: Specific certification of financial information accuracy, including income, assets, and liabilities

5. Authorization Grant: Express authorization for lender to verify information and conduct necessary checks

6. Information Sharing Consent: Consent for sharing information with relevant third parties

7. Acknowledgment of Rights: Statement acknowledging borrower's rights under Swiss data protection laws

8. Signature Block: Date, signature, and witness sections

Optional Sections

1. Co-Borrower Information: Additional section for co-borrower details and certifications when applicable

2. Employment Authorization: Specific authorization for employment verification, needed for employment-dependent loans

3. Tax Information Release: Authorization to access tax records, relevant for certain types of loans

4. Property Information: For property-backed loans, specific certifications about property ownership and condition

5. Foreign Account Declarations: Required for borrowers with international banking relationships

6. Business Information: Required for business owners or self-employed borrowers

Suggested Schedules

1. Authorization Contact List: List of specific institutions and parties authorized to release information

2. Required Documentation Checklist: Itemized list of documents that the borrower certifies having provided

3. Privacy Notice: Detailed privacy policy and data handling procedures

4. Standard Authorization Forms: Pre-formatted authorization forms for specific institutions

5. Information Verification Requirements: Detailed list of information subject to verification

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co

Relevant legal definitions

Clauses

Relevant Industries

Banking

Financial Services

Insurance

Real Estate

Mortgage Lending

Consumer Finance

Commercial Lending

Asset Management

Wealth Management

Credit Services

Relevant Teams

Legal

Compliance

Credit Risk

Loan Operations

Document Management

Due Diligence

Underwriting

Customer Relations

Credit Administration

Risk Management

Private Banking

Commercial Banking

Relevant Roles

Loan Officer

Credit Analyst

Compliance Officer

Risk Manager

Legal Counsel

Mortgage Specialist

Banking Relationship Manager

Credit Risk Officer

Due Diligence Specialist

Document Control Officer

Underwriter

Financial Services Manager

Private Banking Advisor

Commercial Lending Officer

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Authors

Alex Denne

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