Senior Private Banking Assistant (Credit and Lending)

Montpellier Resourcing; Greater London; Hybrid; GBP 58,500 - 71,500; Full time

Benefits offered by this job

Excellent bonus

Hybrid working available

Job summary

Montpellier Resourcing is seeking a Senior Assistant Relationship Manager for their London team. The role involves leading the administration of complex credit and mortgage processes for high-net-worth clients. The candidate will act as the primary technical and relationship anchor, ensuring compliance with regulations like KYC and AML. Ideal applicants should have private banking experience and relevant qualifications like CeMAP and IAD. This position offers a hybrid working model and an attractive salary with benefits.

Qualifications

• Experience in a private banking client service or assistant RM role.
• Proven expertise in credit and lending processes, particularly mortgages.
• Expert understanding of KYC, AML, FATCA, and CRS regulations.

Responsibilities

• Lead administration of residential real estate lending.
• Own full KYC/AML lifecycle for high-complexity clients.
• Manage production of suitability reports and compliance files.
• Resolve complex client inquiries regarding FX trading and credit.
• Streamline onboarding of debt-heavy structures and offshore entities.
• Mentor junior team members on compliance best practices.

Skills

Client service experience in private banking

Credit and lending processes

Complex UK and international client structures

KYC and AML regulatory knowledge

Relationship management

Education

CeMAP qualification

Investment Advice Diploma (IAD)

Job description

Up to £65,000 plus excellent bonus and benefits

Hybrid working available

A prestigious private bank is seeking an experienced, credit-savvy professional to join their London team in a Senior Assistant Relationship Manager capacity. This role is designed for a high-performer ready to take a lead support role for a high-net-worth (HNW) book with a specific focus on complex credit structures and mortgage lending. You will act as the primary technical and relationship anchor for a Client Relationship Officer, managing a sophisticated pipeline of UK and International clients within a dynamic, fast-paced environment.

Key Responsibilities

• Advanced Credit & Mortgage Facilitation: Take the lead on the end-to-end administration of residential real estate lending. This includes coordinating mortgage applications, liaising with credit risk teams, and ensuring all lending documentation is meticulously executed.
• Complex Onboarding & Enhanced Due Diligence: Own the full KYC/AML lifecycle for high-complexity clients. You will perform deep-dive analysis on Source of Wealth (SoW) and Source of Funds (SoF), ensuring seamless submission and approval for high-value prospects.
• Senior Investment Support: Manage the production of mandatory suitability reports and investor profile reviews. You will ensure all files remain compliant with MiFID II and internal standards, specifically regarding discretionary and non-discretionary portfolios.
• Strategic Client Engagement: Act as a senior point of contact for clients, resolving complex inquiries regarding FX trading, credit facilities, and payments independently before escalation.
• Stakeholder Leadership: Navigate internal relationships across Operations, Credit Risk, and Compliance to streamline the onboarding of debt-heavy structures and offshore entities.
• Regulatory Stewardship: Maintain absolute adherence to the Code of Conduct, AML protocols, and Cross-Border regulations, acting as a mentor to more junior team members on compliance best practices.

Requirements

• Candidates must have experience in a private banking client service or assistant RM role.
• Technical Expertise: Proven experience in credit and lending processes (specifically mortgages) is essential for this senior-level position.
• Qualifications: Candidates should ideally be CeMAP qualified (essential for mortgage focus) and IAD (Investment Advice Diploma) qualified.
• Regulatory Knowledge: Expert-level understanding of KYC, AML, FATCA, and CRS, with a track record of handling complex UK and international client structures.
• Product Knowledge: Robust experience with residential real estate, discretionary investments, and standard banking services (FX, payments, e-banking).