***This role is open to internal candidates only***
Job purpose
- To manage and lead a team of Mortgage Specialist Lending Advisors (“MSLA”), Credit Analysts and Mortgage Specialist Assistants.
- The team will be responsible for working with high net worth (HNW) clients to provide specialist advice and tailored mortgage and lending solutions.
- To meet the regulated lending needs of the Bank’s private clients and to meet and exceed agreed financial targets
- To place the interests of customers at the centre of all activities, act in a way that is consistent with achieving good outcomes for consumers; and
- To comply with the FCA and PRA's Conduct Rules.
Job Description
Key Responsibilities:
Team Management
- Manage and motivate the team to exceed demanding business targets and ensure unwavering commitment to client service
- Mentor, coach and day-to-day line management of direct reports
- Conduct performance reviews for direct reports
- Manage performance issues, escalating longer term complex issues as appropriate
- Represent the banking population as a member of the Senior Leadership Team
- Take overall responsibility for the team’s risk and regulatory performance and promote a team risk culture
- Fulfil the responsibilities required under the FCA’s Senior Manager and Certification Regimes, and Conduct Rules
- Take overall responsibility for the team’s financial objectives including strategy for lending and wealth planning growth
Client Management
- Be a Trusted Advisor, providing guidance across the full range of wealth management services and acting as a consistent, credible and accessible point of contact for the team, providing technical advice and guidance on the complex cases.
- Maintain a high level of segment and industry knowledge and share this with team members
- Demonstrate ownership of the regulated mortgage proposition overseeing change in connection with regulatory requirements.
Client Acquisition
- Build and implement a marketing and business development strategy in conjunction with the Head of UK Private Banking
- Expand the size and quality of your team’s client base and lead client allocation within the team
- Develop new and existing relationships with Business Introducers and Mortgage Brokers to increase mortgage penetration
- Be responsible for the team’s event strategy and for leading team events
- Be responsible for the team’s specialist proposition and represent the proposition both internally and externally
Risk
- Accountable for managing the risks detailed in the department’s RCSA on day-to-day basis.
Key Interfaces:
- Clients (and client representatives)
- Private & Commercial Banking teams
- Head of UK Private Banking/Managing Director Banking
- Executive Management Team
- Back-office departments (including working closely with Credit, Wealth Planning, Compliance and the Operations departments)
- Treasury