Relationship Manager

Kennedy Pearce Consulting; London; On-site; GBP 50,000 - 70,000; Full time

Job summary

A leading international bank in London seeks an experienced Relationship Manager to manage High Net Worth clients and grow their Mortgage Loan portfolio. Candidates must have experience in banking or mortgage lending in the UK, with a focus on structured mortgage applications and credit risk. This position offers an opportunity for impactful relationship building and strategic growth in the mortgage sector.

Qualifications

• Experience working for a Bank or specialist Mortgage Lender in the UK.
• Proven ability to manage a portfolio of High Net Worth clients.
• Experience in structuring regulated mortgage applications.

Responsibilities

• Manage primary relationships for HNW clients seeking regulated mortgage solutions.
• Act as relationship manager for mortgage intermediaries.
• Conduct comprehensive financial assessments.

Skills

Relationship management

Credit risk assessment

Financial assessment

Effective communication

Education

CeMAP qualification or equivalent

Job description

London based international bank seek an experienced Relationship Manager/Business Development Manager to join the bank and help grow their Mortgage Loan book and manage the existing Mortgage loan portfolio

Key Responsibilities

• Serve as the primary Relationship Manager for High Net Worth (HNW) clients seeking regulated mortgage solutions, ensuring a personalised and expert-led experience throughout the customer journey
• Act as the key relationship manager for mortgage intermediaries, building and maintaining strong professional partnerships
• Conduct comprehensive financial assessments that take into account complex income structures, property portfolios, trust arrangements, and assets
• This role may transition to that of a regulated Mortgage Consultant, enabling the provision of tailored Advice and Recommendations in accordance with regulatory standards.
• Work closely with the underwriting team to supervise the end to end process
• Originate, structure, and professionally evaluate regulated mortgage applications-including residential purchases, remortgages, and capital raising
• Develop and implement an annual marketing strategy aimed at deepening existing client relationships and generating new business opportunities through both direct client engagement and intermediary networks.
• Hold primary responsibility for a portfolio of approximately 60 clients per year, managing all aspects of their regulated lending relationships with a focus on service excellence, compliance, and retention.
• Proactively manage a live mortgage pipeline, working constructively with the Bank's Credit Unit to ensure efficient progression from application through to completion.

Essential Experience Required

• You must have worked for a Bank or specialist Mortgage Lender in the UK
• Proven ability to manage a portfolio of High Net Worth (HNW) clients, offering bespoke advice and maintaining long-term relationships through regular reviews and tailored service.
• Experience in originating and structuring regulated mortgage applications, including residential purchases, remortgages, and capital raising.
• Strong credit risk assessment skills, including the ability to evaluate complex income structures, international assets, and bespoke repayment terms.
• CeMAP qualification or equivalent is required (CEFA).
• FCA Regulations & MCOB: Deep understanding of the FCA's Mortgage Conduct of Business rules, including affordability assessments, disclosure requirements, and Consumer Duty obligations.

Follow us on social media for updates on our latest opportunities, market trends and what it's like to work with us.