***This role is open to internal candidates only***

Job purpose

• To provide operational and administrative support to the Mortgage Specialist Lending Team with their regulated and non-regulated lending cases
• To enhance the customer experience by supporting the delivery of suitable credit solutions.
• Where applicable, 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:

• Support the Mortgage Specialist Lending Team to deliver thorough and suitable lending advice to their clients
• Support the research and data analysis to provide suitable credit solutions
• Support the preparation of reports and credit submissions in relation to regulated and non-regulated lending
• Maintain accurate and up to date records and proactively manage credit dashboards
• Use client documentation to analyse and interpret client needs and to support the preparation of affordability analysis from data provided by clients
• Provide appropriate research material to support client outcomes
• Deliver a seamless client experience by supporting client contact to manage credit workflow, including attending face-to-face client meetings as appropriate
• Oversee diary management to ensure timely review and control of credit exposure
• Monitor the return of Facility letters, and completion of LMF/interest rate/fee forms.

Risk:

• Responsible for managing risks inherent to the role by diligently observing internal policies and procedures
• Administer the Bank’s panel of FCA Regulated Business Introducers to include:
  • Keeping CRM up to date and accurate,
  • Providing detailed and accurate MI on the number of referrals received and paid out from Brokers,
  • Support the periodic due diligence and administration needed as part of the Business Introducer Policy
  • Document Management system (VC) to be kept up to date and accurate

Key Interfaces:

• Private Banking / Mortgage Specialist Lending Teams
• Credit
• Operations Teams (Banking and Credit Ops)
• Treasury
• Compliance

Person Specification

Knowledge/Experience/Skills:

• Experience working in private banking ideally with credit knowledge
• Analytical skills to interpret and draw meaningful conclusions from data
• Excellent written and verbal communication skills
• A good understanding of HNW segment and market
• Knowledge of regulatory requirements covering money laundering and criminal activity
• Appropriate technical knowledge relating to lending products, policy and appetite
• Credit stewardship skills.
• The ability to effectively manage your time, accurately prioritise tasks and meet tight deadlines
• Excellent attention to detail and strong problem-solving skills
• Interest in financial markets
• Knowledge of wealth management and banking products
• Multi-tasking capability
• Ability to work under pressure with a heavy workload
• A good understanding of Banking Systems and be IT literate, and a high understanding of Microsoft office
• Strong written and verbal communications skills are essential for this role.

Qualifications:

• Working towards or already hold a valid professional qualification in CeMAP (or equivalent)

• Client Focus
• Working Proactively
• Business and Commercial Focus
• Problem Solving and Judgement
• Planning and Reviewing
• Communication & Confidence