High Net Worth Relationship Manager

Our innovative and growing Bank is hiring a HNW Relationship Manager to expand the growth of our innovative High-Net-Worth (HNW) and Affluent clients mortgages range. As a new bank, we will expect the HNW Relationship Manager to be fully involved in the design and build of new HNW & Affluent products, sales strategies and industry outreach. The role offers an ongoing opportunity to shape and deliver a pioneering industry proposition.

You'll be responsible for originating new HNW & Affluent clients mortgage business, developing broker relationships across the UK, and managing opportunities from initial enquiry through to completion.

Working within an agile, growth-focused environment, you'll have direct access to senior decision-makers, allowing you to structure deals efficiently and deliver an exceptional service to brokers.

This role is predominantly field based, with regular check-ins at our London or Birmingham office, and an expectation of regular national travel for sales and broker meetings. You will be joining the Bank at a  defining period of growth, where you will have with real autonomy and a great opportunity to work with an innovative product tailored to a new client group.

Key responsibilities

As a HNW Relationship Manager at Afin bank, your key responsibilities include, but are not limited to, the following:

Sales & Origination

• Originate new HNW, Affluent and complex mortgages lending business – this includes mortgages requiring modified affordability and complex or multiple income streams.
• Develop and strengthen relationships with Specialist HNW & complex property finance brokers across the UK.
• Manage the full deal lifecycle from enquiry through to completion & structure funding solutions to meet client requirements.
• Navigate FCA MCOB rules regarding HNW exemptions and modified affordability, and familiarity with trusts, holding companies, and interpreting full statutory accounts (Ltd/LLP).
• Identify new business opportunities and grow market share.
• Work closely with underwriting , credit risk and the lending operations teams to ensure a smooth customer journey

Compliance

• Complete compliance regulatory exams (as required), adhering to both legal and regulatory requirements
• Grow client assets under management through effective relationship development and proactive engagement.

• Knowledge/Experience
• Minium 5 Years experience in HNW Mortgages &/or complex real estate lending experience, supporting brokers and Introducers.
• An established network of introducers & brokers across the UK.
• Detailed and demonstrable technical knowledge around all areas of HNW & Complex Lending and commercial judgment
• Detailed knowledge of regulatory requirements covering money laundering and criminal activity.
• Familiarity with KYC/AML/PEP nuances for HNW (complex ownership, source of wealth/source of funds checks)
• Knowledge of products and services associated with the Specialist Mortgage lending Sector
• Experience interacting with Solicitors, accountants, surveyors and confidently reviewing and challenging assumptions.
• Ability to work under pressure, deal with a heavy workload, and deliver against stretching deadlines
• Skills
• A good understanding of Banking Systems, be IT literate, and a high understanding of Microsoft Office
• Qualifications
• CEMAP Certification
• Competencies
• Working proactively and start up mindset
• High net worth Banking experience
• Performance Focus
• Ambition, commercial drive and the judgement to build long-term relationships in a regulated environment
• Communications and Confidence
• Relationship management and client experience
• Collaboration

Conduct and accountability

Follow the Bank’s applicable FCA and PRA Conduct Rules, policies and controls. Act with integrity, due skill, care and diligence; be open and cooperative with regulators; treat customers fairly; observe proper standards of market conduct; and deliver good outcomes for retail customers where the relevant rule applies. Complete required training and raise risks, breaches and concerns promptly.

Our Values

• Curiosity
• Togetherness 
• Empowerment 
• Innovation 

Benefits

Our benefits package consists of but not limited to

• 6x life assurance
• 26 days annual leave
• BUPA private medical insurance
• 15% pension (5% employee contribution and double matched as 10% employer contribution) 
• Annual discretionary bonus eligibility  
• Access to a suite of competitive benefits under Health and Wellbeing
• Colleague social events