Job summary 

As a Mortgage Specialist – Vice President in the International Mortgage Solutions team within J.P. Morgan Private Bank, you will help deliver luxury residential real estate mortgage solutions for ultra-high-net-worth clients. You will partner with internal stakeholders to originate, structure, underwrite, and service regulated and unregulated residential mortgages, with a primary focus on the UK market. You will guide clients and internal teams through requirements, documentation, suitability, and affordability assessments. You will contribute to a high-touch client experience and a culture of collaboration, risk discipline, and accountability.

Job responsibilities 

• Partner with Client Advisors and Lending Solutions on luxury residential real estate opportunities and align solutions to client needs and bank requirements
• Own end-to-end delivery of UK and French regulated and unregulated residential mortgages, from fact-find through ongoing servicing
• Assess suitability and affordability using client information and financial documentation in line with relevant policies and regulations
• Collaborate with Credit Risk on underwriting, approvals, and annual portfolio reviews
• Coordinate with the Mortgage Support Team to ensure applications progress efficiently and accurately
• Manage ongoing portfolio maintenance, including covenants, insurance, maturities, and client enquiries
• Educate Client Advisors and senior stakeholders on market practices, requirements, and processes through established forums

Required qualifications, capabilities, and skills 

• Demonstrable experience delivering residential mortgage solutions within a financial institution
• Proven experience advising and supporting ultra-high-net-worth clients with complex needs
• Strong understanding of the UK residential real estate market and mortgage origination process
• Working knowledge of regulated and unregulated mortgage requirements and end-to-end execution
• Ability to interpret financial documentation to support suitability and affordability assessments
• Experience partnering with credit risk and underwriting stakeholders in a controlled environment
• Strong stakeholder management skills, with the ability to communicate clearly across seniority levels
• Ability to work independently while collaborating effectively across teams
• Strong analytical, organisational, and documentation skills
• CeMAP qualification is a must 

Preferred qualifications, capabilities, and skills 

• Experience with French residential mortgages and related regulatory considerations
• Exposure to additional EMEA mortgage markets 
• Experience supporting portfolio reviews, covenant monitoring, and ongoing risk management
• Familiarity with private banking or wealth management lending frameworks
• Track record of contributing to process improvement and service excellence in a high-touch environment