Address***This role is open to internal candidates from the UK Private Banking Teams only***
Overview
- To provide vital credit support to our Private Bankers with their regulated and non-regulated lending cases
- To set the standard for credit competence enhancing credit stewardship and promoting the framework for credit excellence
- To provide a bespoke and rewarding customer experience and deliver suitable credit solutions.
- To support and develop colleagues’ credit competence.
Where applicable, to place the interests of customers at the centre of all activities, act in a way that is consistent with achieving good outcomes for consumers; and to comply with the FCA and PRA's Conduct Rules.
Key Responsibilities:
- Support Private Bankers to deliver thorough and suitable lending advice to their clients.
- Undertake accurate and relevant research and data analysis, providing suitable credit solutions.
- Prepare reports and credit submissions in relation to regulated and non-regulated lending.
- Maintaining accurate and up to date records, and proactively managing credit dashboards.
- Use client documentation to analyse and interpret client needs and prepare affordability analysis from data provided by clients.
- Draft client suitability reports and letters and preparing other documentation at the request of Regulated Mortgage Advisers.
- Provide appropriate research material to support client outcomes.
- Deliver a seamless client experience by maintaining client contact to manage credit workflow, including attending face-to-face client meetings.
- Oversee diary management to ensure timely review and control of credit exposure.
- Initiate, discuss and complete Credit Applications on behalf of Private Bankers.
- Monitor the return of Facility letters, and completion of LMF/interest rate/fee forms.
Risk:
- Responsible for managing risks inherent to the role by diligently observing internal policies and procedures.
