Job Description




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

About Us



J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world's most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.



We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.




About the Team



J.P. Morgan Asset & Wealth Management delivers industry-leading investment management and private banking solutions. Asset Management provides individuals, advisors and institutions with strategies and expertise that span the full spectrum of asset classes through our global network of investment professionals. Wealth Management helps individuals, families and foundations take a more intentional approach to their wealth or finances to better define, focus and realize their goals.