Relationship Manager, Home Loans

Alpha Bank London Limited; Greater London; Hybrid; GBP 75,000 - 110,000; Full time

Job summary

Alpha Bank London Limited in London seeks an experienced Relationship Manager, Home Loans, to manage High-Net-Worth client and broker relationships within a regulated residential mortgage proposition. You will oversee end-to-end journey from enquiry to completion in an execution-only environment.

You will coordinate onboarding, gather income/assets, prepare case files and work with underwriting and risk teams to ensure compliant, timely outcomes while maintaining strong client service and

Qualifications

• Experience in UK regulated residential mortgage lending, preferably private banking or High-Net-Worth mortgages.
• Experience managing relationships with regulated mortgage intermediaries.
• Strong knowledge of MCOB, responsible lending and Consumer Duty.
• Clear understanding of the boundary between factual information and regulated mortgage advice.
• Experience handling complex income, assets and non-standard circumstances.

Responsibilities

• Build trusted relationships with High-Net-Worth customers and approved brokers.
• Explain eligibility, documentation, fees and the application process clearly.
• Operate within the execution-only framework and maintain regulatory boundaries.
• Collect income, expenditure, assets and source of wealth information for eligibility.
• Prepare complete case files and manage mortgage pipeline from enquiry to completion.
• Coordinate onboarding including ID, verification, sanctions and PEP controls.
• Support broker onboarding and ongoing oversight, escalating issues when needed.
• Remain primary contact after completion for servicing and vulnerability needs.
• Collaborate with Underwriting, Credit, Mortgage Ops, Financial Crime, Compliance, Legal and Risk.
• Contribute to sustainable lending and responsible growth without compromising outcomes.

Skills

Relationship management

Intermediary relationships

Communication skills

Pipeline management

Regulatory judgement

KYC/AML knowledge

Attention to detail

Education

CeMAP

Degree-level education or equivalent

Job description

Working Pattern: Hybrid (minimum 3 days in the office including Wednesday as a core day)

Reports To: Head of Home Loans & Product

About Us

We are not your run-of-the-mill bank.

Founded in 1922, Alpha Bank London combines the heritage and stability of a long-established financial institution with the ambition and agility of a growing organisation. As an independently regulated UK bank within the Alpha Bank Group, we provide specialist banking services to personal and corporate customers in the UK and internationally.

This is an exciting period of growth and transformation for the Bank. Alongside our established business, we are developing a new digital retail banking proposition focused on serving the Greek, Cypriot and wider diaspora communities across the UK. Backed by a strong Board, supportive shareholders and an ambitious strategy, we are investing in our future and looking for talented individuals to help shape it.

What We're Looking For

As Relationship Manager, Home Loans, you'll be the primary relationship contact for High-Net-Worth customers and approved mortgage intermediaries across our regulated residential mortgage proposition.

You'll support the end-to-end journey from initial enquiry and eligibility screening through application, completion, servicing and ongoing customer support. Working within our non-advised, execution-only model, you'll provide clear and balanced information, coordinate onboarding and prepare complete case files for independent Underwriting and Credit assessment.

You will:

• Build trusted relationships with High-Net-Worth customers, approved brokers, wealth managers, family offices and professional introducers.


• Explain eligibility, documentation requirements, available products, repayment options, fees and the application process clearly and accurately.


• Operate within the Bank’s execution-only framework, maintaining a clear boundary between factual information and regulated mortgage advice.


• Complete initial eligibility screening and gather information on income, expenditure, assets, liabilities, source of wealth, source of funds and repayment strategy.


• Prepare complete and accurate case files and manage the live mortgage pipeline from enquiry through to completion.


• Coordinate customer onboarding, including identification, verification, sanctions, politically exposed person and fraud controls.


• Support broker onboarding and ongoing oversight, escalating application quality, conduct or customer-outcome concerns where required.


• Remain the primary customer contact after completion, including for servicing requests, vulnerability needs and early signs of financial difficulty.


• Work closely with Underwriting, Credit, Mortgage Operations, Financial Crime, Compliance, Legal and Risk.


• Contribute to sustainable lending and portfolio growth without compromising responsible lending, credit standards, risk appetite or good customer outcomes.


• Maintain accurate records and complete required training, competence assessments, file reviews and quality assurance activity.

What We're Looking For

We're looking for an experienced mortgage professional who can combine strong customer and intermediary relationship management with disciplined case ownership and clear regulatory judgement.

We'd love to hear from you if you have:

• Demonstrable experience in UK regulated residential mortgage lending, ideally in private banking, specialist lending or High-Net-Worth mortgages.


• Experience managing High-Net-Worth customers and relationships with regulated mortgage intermediaries.


• Strong working knowledge of MCOB, responsible lending, the Consumer Duty and execution-only mortgage sales.


• A clear understanding of the boundary between factual information and regulated mortgage advice.


• Experience handling complex income, foreign income, investment assets, property portfolios, trusts or other non-standard circumstances.


• Experience preparing complete mortgage case files and working with independent Underwriting and Credit teams.


• Working knowledge of KYC, customer due diligence, source of wealth, source of funds, sanctions and politically exposed person controls.


• Knowledge of customer vulnerability, reasonable adjustments, arrears, early support and forbearance expectations.


• Excellent communication, organisation and pipeline-management skills, with strong attention to detail and record quality.


• Sound judgement, confident escalation and the ability to balance commercial goals with good customer outcomes.


• A recognised UK mortgage qualification, such as the Certificate in Mortgage Advice and Practice (CeMAP), or another qualification confirmed by the Bank as appropriate.


• Degree-level education or equivalent relevant professional experience is desirable.


• The successful candidate must complete role-specific induction and must not undertake unsupervised regulated activity until competence and Fit to Trade status are formally confirmed.

Why Join Us?

At Alpha Bank London, you'll have the opportunity to make a genuine impact. Our size gives you broad exposure, visibility with senior stakeholders and the chance to help shape an important customer proposition within a growing and transforming bank.

If you're looking for a role where you can build high-value customer and intermediary relationships, manage complex mortgage cases and contribute to responsible, sustainable growth, we'd love to hear from you.

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