Client Relationship Management & Portfolio Management

• Deliver outstanding service to HNW clients through strong relationships, clear communication and a deep understanding of individual objectives, including risk profile, income requirements and time horizon.
• Take primary responsibility for ongoing portfolio management, ensuring portfolios are monitored, reviewed and managed in line with FCA/PRA requirements and internal policies.
• Oversee portfolio dealing activity and adherence to team-agreed models, ensuring client objectives remain at the forefront of implementation and review.
• Act with integrity, professionalism and discretion at all times, reflecting the standards expected by private banking and HNW clients.

Investment Research & Analysis

• Lead and/or contribute to investment research and market analysis, covering defined asset classes, sub-asset classes or strategies.
• Formulate and present well-reasoned recommendations to support changes to client portfolios and house views.
• Research may include collective investments, structured products and direct securities (equities and bonds), with appropriate consideration of risk, liquidity and suitability.

Commercial Contribution

• Support business development activities, including prospecting for new clients and working collaboratively with Private Bankers and Wealth Planners to win new mandates.
• Demonstrate the ability to interpret client objectives and articulate an appropriate investment solution aligned to risk and income requirements.
• Prepare and deliver high-quality client presentations and investment proposals.

Conduct & Regulatory Risk

• Maintain a strong understanding of, and strict adherence to, internal policies, procedures and regulatory obligations, including FCA Conduct Rules and Treating Customers Fairly principles.
• Complete all mandatory training and ensure client affairs are managed in a compliant, well-controlled manner.
• Proactively identify, escalate and manage regulatory and conduct risks inherent in the role.

Company

• Represent the firm professionally at all times, internally and externally, ensuring actions do not compromise the Bank financially, reputationally or culturally.
• Work closely with the DIM / SIM to foster a high-performance team culture, maintaining exceptional client service standards and upholding the Banks Values and Commitments.
• Act as a positive role model for junior team members through behaviour, professionalism and technical standards. Where responsible for line management of non-certified staff, take accountability for their ongoing learning and development, including coaching, knowledge transfer, performance support and progression aligned to role requirements.

Projects

• Participate in, or lead, ad-hoc projects supporting the development, efficiency and effectiveness of the Investment Management function.

Risk:

• Responsible for managing risks inherent to the role by diligently observing internal policies and procedures.

Key Interfaces:

• Wealth Planning Team
• Private Banking Team
• Executive Management Team
• Clients (& Client representatives)

Person Specification

Knowledge / Experience / Skills

• Role falls within the FCA Certification Regime, with responsibility for compliance with all applicable regulatory requirements.
• Demonstrable experience as an Investment Manager within an HNW private client environment, with primary responsibility for managing client relationships and portfolios.
• Strong end-to-end understanding of discretionary investment management, including suitability, portfolio construction, implementation and ongoing reviews.
• Completion of at least Level 6 RDR-compliant investment or wealth management qualification (e.g. CISI PICAM, Wealth Management Masters or CFA) evidencing a solid technical foundation.
• Eligible for, or holding, a current Statement of Professional Standing (SPS) and any required regulatory approvals (e.g. Certification Regime (Certified Function) where applicable).
• Sound understanding of regulatory, conduct and investment risk considerations, with the ability to identify, manage and escalate risks appropriately.
• Strong analytical capability, with the ability to interpret research, market data and house views and apply them effectively to client portfolios.
• Confident, credible communicator able to engage professionally with HNW clients, intermediaries and senior internal stakeholders.
• Well-developed organisational skills, capable of managing multiple client portfolios, priorities and deadlines while maintaining consistently high standards.
• Commercially aware, with the ability to contribute to client retention, relationship deepening and new business activity in collaboration with colleagues.
• Comfortable operating with autonomy and accountability, while working within agreed house investment philosophy, policies and model frameworks.

Key Skills

• Conducts client reviews and delivers suitable personal recommendations, exercising sound judgement aligned to client objectives and house views.
• Strong understanding of modern portfolio theory, asset allocation and the impact of market, credit, liquidity and behavioural risks.
• Able to contribute to and then follow house policy and models. (This role will not appeal to those who do not wish to follow mutually agreed house models.)
• High standard of professionalism, integrity and discretion, maintaining trust and long-term client relationships.
• Resilient and effective under pressure, managing competing demands without compromising risk, quality or client outcomes.
• A collaborative team player who contributes positively to the development and capability of a small, high-performing investment team.
• Demonstrates ownership and accountability for investment, conduct and client outcomes.
• Proactive, commercially minded and engaged in the ongoing development of the Investment Management proposition.

Qualifications

• Holds a Level 6 RDR-compliant Investment or Wealth Management qualification (Level 7 or equivalent preferred). (e.g. CISI PICAM, Wealth Management Masters or CFA) evidencing a solid technical foundation.

Competencies:

• Business & Commercial Focus
• Service Excellence / Client Focus
• Creativity / Entrepreneurial thinking
• Communication & Confidence
• Working Proactively
• Expert Knowledge
• Planning & Reviewing
• Problem Solving & Judgement