High Net Worth Relationship Manager

Afin group; London, Birmingham; Vor Ort; GBP 65.000 - 100.000; Vollzeit

Benefits dieser Stelle

6x life assurance

26 days annual leave

BUPA private medical insurance

15% pension (5% employee contributed,

total matched employer contribution)

Annual discretionary bonus eligibility

Access to Health & Wellbeing benefits

Zusammenfassung

Afin Bank is actively seeking a knowledgeable HNW Relationships Manager to originate complex mortgage deals for high-net-worth clients. You will develop strong broker relationships and manage the end-to-end loan lifecycle across the UK.

The role is field-based with regular travel and periodic office visits in London or Birmingham, offering autonomy in a growth-oriented, regulated environment.

Qualifikationen

• Experience in HNW mortgages and complex real estate lending.
• Strong knowledge of regulatory requirements (MCOB, AML) and FCA rules.
• Established network of UK introducers and brokers.

Aufgaben

• Originate new HNW, Affluent and complex mortgage lending business.
• Develop and strengthen relationships with Specialist HNW & complex property finance brokers across the UK.
• Manage the full deal lifecycle from enquiry through to completion and structure funding solutions.
• 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.
• Collaborate with underwriting, credit risk and lending operations to ensure a smooth customer journey.

Kenntnisse

Banking systems

IT literacy

MS Office

Ausbildung

CEMAP Certification

Jobbeschreibung

Afin Bank is a UK Bank designed for individuals whose financial needs often go beyond traditional banking models. It caters to a diverse clientele, including self-employed professionals, foreign nationals, and high-net-worth individuals. Afin Bank offers a range of services, including savings accounts, mortgages, and investments, all aimed at helping customers achieve their financial goals.

Our products are tailored to meet the unique circumstances of their clients, ensuring that everyone's financial journey is supported and inclusive. Driven by our vision to make banking simple, fair, and built around the customer, we combine expert understanding with innovative thinking to help people achieve their financial goals with confidence.

Our mission is to support individuals and communities that are often overlooked by traditional lenders, creating a safe and inclusive environment where customers feel understood, valued, and empowered to succeed. Backed by WAICA Reinsurance Corporation Plc, one of the world’s leading reinsurance groups, Afin Bank is built on a strong foundation of financial strength, expertise, and long-term stability. We are committed to delivering straightforward, supportive banking solutions that help our customers build stability, grow wealth, and plan confidently for the future.

Because at Afin Bank, we believe life doesn't fit in a box, and banking shouldn't either.

The role

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:

• 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

• Minimum 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
• 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

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

• Togetherness
• Empowerment

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