Afin Bank Overview

Afin Bank is a UK Bank designed for individuals whose financial needs often go beyond traditional banking models. It caters to a diverse clientele, including self-employed professionals, foreign nationals, and high-net-worth individuals. Afin Bank offers a range of services, including savings accounts, mortgages, and investments, all aimed at helping customers achieve their financial goals.

Our products are tailored to meet the unique circumstances of their clients, ensuring that everyone's financial journey is supported and inclusive. Driven by our vision to make banking simple, fair, and built around the customer, we combine expert understanding with innovative thinking to help people achieve their financial goals with confidence.

Our mission is to support individuals and communities that are often overlooked by traditional lenders, creating a safe and inclusive environment where customers feel understood, valued, and empowered to succeed.

Backed by WAICA Reinsurance Corporation Plc, one of the world's leading reinsurance groups, Afin Bank is built on a strong foundation of financial strength, expertise, and long-term stability. We are committed to delivering straightforward, supportive banking solutions that help our customers build stability, grow wealth, and plan confidently for the future. Because at Afin Bank, we believe life doesn't fit in a box, and banking shouldn't either.

The Role

You will be responsible for underwriting complex mortgage and property-secured lending for high net worth (HNW) clients from application to completion. Assess the customer’s income, wealth, liquidity and repayment capacity, making sound lending decisions within Afin Bank’s credit policy, risk appetite and delegated authority. Combine commercial judgement with robust risk assessment and good customer outcomes in a growing UK bank regulated by the FCA and PRA.

Key Responsibilities

• Own a pipeline of HNW applications, resolving outstanding information and meeting agreed service standards without compromising credit quality.
• Assess complex income, assets and liabilities using appropriate evidence, including business accounts, tax records and investment statements. Evaluate the sustainability of bonuses, dividends, partnership income, investment returns and overseas earnings.
• Establish which assets and income are genuinely available to service and repay borrowing, considering ownership, existing commitments, liquidity, currency exposure and access restrictions.
• Assess affordability under applicable mortgage rules and the Bank’s policy. Evidence eligibility before using any permitted tailored HNW provisions; refer uncertain regulatory classifications or treatments to Compliance.
• Assess loan purpose, term and repayment structure, including interest-only lending where permitted. Evidence a credible capital repayment strategy and test sensitivity to income reductions, rate changes and asset-value falls.
• Review high-value property valuations and legal due diligence with valuers and solicitors. Assess loan-to-value, marketability, security enforceability and borrower or property concentration against policy limits.
• Approve or decline cases within delegated authority; otherwise present clear recommendations to the authorised decision-maker. Record the rationale, risks, mitigants and conditions, escalating policy exceptions appropriately.
• Work with brokers, Business Development, Credit Risk and Operations to progress cases, explain decisions and confirm underwriting conditions are met before funds are released.
• Complete required financial crime checks with specialist teams, including beneficial ownership, source of wealth and funds, sanctions and politically exposed person checks. Escalate concerns and obtain enhanced due diligence where required.
• Maintain accurate, auditable credit files; recognise vulnerability and escalate potential customer harm or complaints. Support monitoring and reviews of deteriorating cases, and improve underwriting criteria, workflows and case data.