Credit Risk Analyst - WM CREDIT MO EDINBURGH

Closing date
6 May 2021

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Job Details

The Mortgage Support Team plays a pivotal role in supporting the growth of the Wealth Management Mortgage Business and delivering a superior client experience. This is an exciting opportunity to join a fast paced business with ambitious growth plans, new mortgage products under development and new markets to explore.

Responsibilities include preparation of mortgage documentation, facilitating a seamless mortgage completion experience and providing after sales servicing to clients. The role requires strong partnership skills working closely with Mortgage Specialists, Legal partners and credit colleagues. A strong focus on quality, risk and controls is essential to ensure a high quality service and faster to client delivery.

  • Partner with Mortgage Specialists through the lifecycle of the mortgage process
  • Prepare mortgage documentation, including among others, application and offer packs, utilization requests, commencement letters and annual mortgage statements
  • Instruct, legal and valuation work and undertake all completion activities including ensuring satisfaction of all conditions and mortgage loan booking
  • Regularly partner with and provide support for colleagues in other locations (London, Geneva, Singapore)
  • Maintain accurate data in systems and partner with other operations and technology colleagues to resolve exceptions
  • Develop an in-depth understanding of the UK mortgage regulations and end-to-end process
  • Understand and ensure compliance with, JPMorgan policies and regulatory requirements
  • Support Regulatory Reporting requirements
  • Partner with colleagues on projects to deliver new products, simplify or enhance existing processes and enhance the client experience
  • University graduate (preferably Law or Finance) or some previous basic experience in dealing with client credit documents
  • Knowledge of mortgage documentation and regulation is a plus
  • Experience within a financial institution is a plus
  • French language skills is a distinct advantage
  • Excellent interpersonal skills with an ability to communicate at all levels
  • Strong organisational skills, ability to work independently, self-motivated with ability to prioritize work and meet tight deadlines
  • Familiarity with credit and lending products
  • Ability to identify improvements and support delivery of process changes
  • Strong Excel skills an advantage
  • Control and Risk mitigation mind-set and strong attention to detail

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