Job Description
Our leading client is seeking a knowledgeable and customer-focused Mortgage Advisor to join our team. In this role, you will be responsible for providing accurate mortgage advice to prospective customers, supporting the Society's mortgage retention strategy, and ensuring a smooth application process.
Key Responsibilities:
* Provide accurate mortgage advice to prospective mortgage customers face-to-face and/or over the telephone.
* Support the delivery of the Society's mortgage retention strategy through proactive contact with customers in advance of their current scheme ending.
* Process mortgage applications on the Society software system and complete all procedural administrative documentation efficiently, liaising with the customer during the application process.
* Maintain accurate records and notes throughout all stages of the mortgage application.
* Approve mortgage applications within specified limits in accordance with Society Lending Policy.
* Consider mortgage applications outside standard lending policy where a justifiable business reason exists.
* Present out-of-criteria cases to the Credit Risk Committee with appropriate recommendations and rationale.
* Maintain professional business relationships with BDMs, mortgage introducers, and external contacts, providing information and guidance when required.
* Take ownership of maintaining up-to-date knowledge of regulatory matters and sharing with colleagues across the Mortgage Department.
* Maintain knowledge and comply with all legal responsibilities and codes of conduct, including Vulnerable Customers, AML, MCOB, DPA, FCA, etc.
* Meet all requirements of the Training & Competence scheme.
* Handle customer dissatisfaction and complaints as required.
* Identify opportunities for continuous improvement of products, policy, processes, and procedures.
* Capture all risk events and near misses on the events log within 48 hours of identification.
* Carry out other duties consistent with the nature, responsibilities, and expectations of the position.
* Comply with all frameworks, policies, and procedures relevant to this role.
Skills and Qualifications:
* CeMap qualified or industry equivalent.
* Excellent communication skills, both written and verbal.
* Experience with Microsoft packages, including Word and Excel.
* Ability to independently manage multiple tasks.
* Strong attention to detail.