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For Companies At a Glance
- Tasks: Manage relationships with High Net Worth clients and mortgage intermediaries, ensuring top-notch service.
- Company: Join a prestigious London-based international bank offering hybrid work options.
- Benefits: Enjoy flexible working arrangements and a dynamic corporate culture.
- Why this job: Be part of a team that values personal growth and client satisfaction in the financial sector.
- Qualifications: Experience in banking or mortgage lending, with a focus on High Net Worth clients is essential.
- Other info: Opportunity to transition into a regulated Mortgage Consultant role.
The predicted salary is between 48000 - 72000 £ per year.
Overview
London based international bank, who offer hybrid working, seek an experienced Relationship Manager/Business Development Manager to join the bank and help grow their Mortgage Loan book and manage the existing Mortgage loan portfolio.
Key Responsibilities
- Serve as the primary Relationship Manager for High Net Worth (HNW) clients seeking regulated mortgage solutions, ensuring a personalised and expert-led experience throughout the customer journey
- Act as the key relationship manager for mortgage intermediaries, building and maintaining strong professional partnerships
- Conduct comprehensive financial assessments that take into account complex income structures, property portfolios, trust arrangements, and assets
- This role may transition to that of a regulated Mortgage Consultant, enabling the provision of tailored Advice and Recommendations in accordance with regulatory standards.
- Work closely with the underwriting team to supervise the end to end process
- Originate, structure, and professionally evaluate regulated mortgage applications—including residential purchases, re-mortgages, and capital raising
- Develop and implement an annual marketing strategy aimed at deepening existing client relationships and generating new business opportunities through both direct client engagement and intermediary networks.
- Hold primary responsibility for a portfolio of approximately 60 clients per year, managing all aspects of their regulated lending relationships with a focus on service excellence, compliance, and retention.
- Proactively manage a live mortgage pipeline, working constructively with the Bank’s Credit Unit to ensure efficient progression from application through to completion.
Essential Experience Required
- You must have worked for a Bank or specialist Mortgage Lender in the UK
- Proven ability to manage a portfolio of High Net Worth (HNW) clients, offering bespoke advice and maintaining long-term relationships through regular reviews and tailored service.
- Experience in originating and structuring regulated mortgage applications, including residential purchases, re-mortgages, and capital raising.
- Strong credit risk assessment skills, including the ability to evaluate complex income structures, international assets, and bespoke repayment terms.
- CeMAP qualification or equivalent is required (CEFA).
- FCA Regulations & MCOB: Deep understanding of the FCA’s Mortgage Conduct of Business rules, including affordability assessments, disclosure requirements, and Consumer Duty obligations.
Seniority level
- Mid-Senior level
Employment type
- Full-time
Job function
- Other
Industries
- Banking and Financial Services
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Relationship Manager Mortgages employer: KennedyPearce Consulting
Contact Detail:
KennedyPearce Consulting Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Relationship Manager Mortgages
✨Tip Number 1
Network with professionals in the banking and mortgage sectors. Attend industry events, webinars, or local meetups to connect with potential colleagues and clients. Building relationships can give you insights into the role and may even lead to referrals.
✨Tip Number 2
Familiarise yourself with the latest trends in mortgage lending, especially for High Net Worth clients. Understanding current market conditions and regulatory changes will help you demonstrate your expertise during interviews and discussions.
✨Tip Number 3
Prepare to discuss your experience with complex financial assessments. Be ready to share specific examples of how you've successfully managed portfolios and provided tailored advice to HNW clients, as this will showcase your suitability for the role.
✨Tip Number 4
Engage with mortgage intermediaries and other professionals in the field. Building a rapport with these individuals can not only enhance your understanding of the market but also position you as a valuable contact within the industry.
We think you need these skills to ace Relationship Manager Mortgages
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your experience in managing High Net Worth clients and your familiarity with regulated mortgage solutions. Use specific examples that demonstrate your ability to handle complex financial assessments.
Craft a Compelling Cover Letter: In your cover letter, emphasise your understanding of FCA regulations and your experience with mortgage applications. Mention how you can contribute to the bank's goals of growing their Mortgage Loan book and maintaining client relationships.
Showcase Relevant Qualifications: Clearly state your CeMAP qualification or equivalent in your application. If you have additional certifications or training related to mortgage lending or financial services, be sure to include those as well.
Highlight Relationship Management Skills: Demonstrate your ability to build and maintain strong professional partnerships with both clients and intermediaries. Provide examples of how you've successfully managed client portfolios and enhanced service excellence in previous roles.
How to prepare for a job interview at KennedyPearce Consulting
✨Know Your Portfolio
Familiarise yourself with the types of High Net Worth clients you will be managing. Be prepared to discuss how you would approach their unique financial situations and what bespoke solutions you can offer.
✨Understand Regulatory Standards
Brush up on FCA regulations and MCOB rules, especially around affordability assessments and Consumer Duty obligations. Demonstrating your knowledge in these areas will show that you are well-prepared for the role.
✨Showcase Your Relationship Management Skills
Prepare examples of how you've successfully built and maintained relationships with clients and intermediaries in the past. Highlight your ability to provide tailored advice and maintain long-term partnerships.
✨Demonstrate Financial Acumen
Be ready to discuss your experience with complex income structures and credit risk assessment. You might be asked to evaluate a hypothetical mortgage application, so practice articulating your thought process clearly.
