At a Glance
- Tasks: Deliver luxury mortgage solutions for ultra-high-net-worth clients in a collaborative environment.
- Company: Join J.P. Morgan, a global leader in financial services with a focus on diversity and inclusion.
- Benefits: Competitive salary, professional development, and a supportive workplace culture.
- Other info: Opportunity for career growth in a dynamic, high-touch environment.
- Why this job: Make a real impact by advising high-profile clients and shaping their financial futures.
- Qualifications: Experience in residential mortgages and strong stakeholder management skills required.
The predicted salary is between 90000 - 110000 £ per year.
As a Mortgage Specialist – Vice President in the International Mortgage Solutions team within J.P. Morgan Private Bank, you will help deliver luxury residential real estate mortgage solutions for ultra-high-net-worth clients. You will partner with internal stakeholders to originate, structure, underwrite, and service regulated and unregulated residential mortgages, with a primary focus on the UK market. You will guide clients and internal teams through requirements, documentation, suitability, and affordability assessments. You will contribute to a high-touch client experience and a culture of collaboration, risk discipline, and accountability.
Job responsibilities
- Partner with Client Advisors and Lending Solutions on luxury residential real estate opportunities and align solutions to client needs and bank requirements.
- Own end-to-end delivery of UK and French regulated and unregulated residential mortgages, from fact-find through ongoing servicing.
- Assess suitability and affordability using client information and financial documentation in line with relevant policies and regulations.
- Collaborate with Credit Risk on underwriting, approvals, and annual portfolio reviews.
- Coordinate with the Mortgage Support Team to ensure applications progress efficiently and accurately.
- Manage ongoing portfolio maintenance, including covenants, insurance, maturities, and client enquiries.
- Educate Client Advisors and senior stakeholders on market practices, requirements, and processes through established forums.
Required qualifications, capabilities, and skills
- Demonstrable experience delivering residential mortgage solutions within a financial institution.
- Proven experience advising and supporting ultra-high-net-worth clients with complex needs.
- Strong understanding of the UK residential real estate market and mortgage origination process.
- Working knowledge of regulated and unregulated mortgage requirements and end-to-end execution.
- Ability to interpret financial documentation to support suitability and affordability assessments.
- Experience partnering with credit risk and underwriting stakeholders in a controlled environment.
- Strong stakeholder management skills, with the ability to communicate clearly across seniority levels.
- Ability to work independently while collaborating effectively across teams.
- Strong analytical, organisational, and documentation skills.
- CeMAP qualification is a must.
Preferred qualifications, capabilities, and skills
- Experience with French residential mortgages and related regulatory considerations.
- Exposure to additional EMEA mortgage markets.
- Experience supporting portfolio reviews, covenant monitoring, and ongoing risk management.
- Familiarity with private banking or wealth management lending frameworks.
- Track record of contributing to process improvement and service excellence in a high-touch environment.
Wealth Management, Mortgage Solutions Specialist, Vice President, London employer: JP Morgan Chase
At J.P. Morgan, we pride ourselves on being an exceptional employer, particularly within our Global Financial Crimes Compliance team in EMEA. Our commitment to diversity and inclusion fosters a collaborative work culture where employees are empowered to grow and develop their skills in a dynamic environment. With access to comprehensive training and the opportunity to engage with a wide range of financial services, you will find meaningful and rewarding career advancement in a company that values your contributions.
