High Net Worth Relationship Manager

Afin Bank Limited; Greater London; On-site; GBP 60,000 - 70,000; Full time

Benefits offered by this job

Life assurance

Annual leave 26 days

Private medical insurance

Pension 15%

Discretionary bonus

Wellbeing benefits

Social events

Job summary

Afin Bank Limited is recruiting a HNW Relationship Manager to lead origination of high‑net‑worth mortgages and build a robust broker network across the UK. The role combines strategic product design with direct client and broker engagement, operating mainly in the field with regular office presence in London or Birmingham and travel nationwide.

You will shape new HNW and Affluent lending propositions, collaborate with underwriting and risk teams, and drive sales strategies in a growing, agile

Qualifications

• Minimum 5 years experience in HNW Mortgages and/or complex real estate lending, supporting brokers and Introducers.
• Established network of introducers and brokers across the UK.
• Detailed and demonstrable technical knowledge of HNW & Complex Lending and commercial judgement.
• Regulatory knowledge covering money laundering and criminal activity (AML/KYC/PEP).
• Experience interacting with Solicitors, accountants, surveyors and challenging assumptions.

Responsibilities

• Originate new HNW, Affluent and complex mortgages lending business.
• Develop and strengthen relationships with Specialist HNW & complex property finance brokers across the UK.
• Manage the full deal lifecycle from enquiry to completion and structure funding solutions.
• Navigate FCA MCOB rules and understand trusts, holding companies, and interpreting full statutory accounts.
• Identify new business opportunities and grow market share.
• Collaborate with underwriting, credit risk and lending operations teams to ensure a smooth customer journey.

Skills

Banking systems

IT literacy

Microsoft Office

Education

CEMAP Certification

Job description

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

£60,000 - £70,000 a year

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