Job Title: Mortgage Litigation Specialist
Location: Reigate Hybrid min 50% in the office
Salary: Up to 35,000 + Superb Bonus and Benefits
Hours: Monday to Friday 9 am to 5 pm
Benefits:
* A Competitive Salary, Pension Scheme and Life Assurance
* 25 Days Annual Leave plus bank/public holidays and an additional day for your Birthday
* Private Medical Cover and Income Protection, just in case
* A generous and highly achievable bonus scheme - paid annually based on individual and company performance against targets
* Opportunity to progress within your career both in-role and within the company
* FREE access to the Headspace App, a 24/7 Employee Assistance Helpline and Trained Physical & Mental Health First Aiders (On-Site)
* A variety of Employee Funded Benefits available via the Online Benefits Portal
* Plus, several additional purchase options available for you and your loved ones
About the Role:
Are you ready to make a meaningful impact? As a Mortgage Litigation Specialist, you'll play a key role in managing Lifetime Mortgage cases in default - whether due to non-repayment or property maintenance issues. Your expertise will guide clients, their representatives, and legal advisors to resolve defaults or recover mortgage debt when necessary.
This is a challenging and rewarding position where you'll use your skills in case management, risk-based decision-making, and customer service to help clients navigate complex situations while protecting the business.
Responsibilities:
* Foster strong working relationships with Field Agents, Legal Advisors, LPA Receivers, Asset Managers, Title Insurers, and Contingency Insurers.
* Provide guidance and oversight to third-party administrators managing default cases.
* Make discretionary decisions related to post-completion activities and default management.
* Collaborate closely with third-party administrators to manage default cases effectively, offering support and oversight when needed.
* Assist with property revaluations and resolve maintenance or contract breach issues, escalating for guidance where necessary.
* Determine and implement appropriate actions for customers in breach of mortgage terms, referring complex cases for further advice.
* Support Mortgage Underwriting by addressing ad hoc queries related to default management.
* Contribute to the development and refinement of Lifetime Mortgage policies and procedures.
* Play an active role in improving processes and sharing best practices within the team.
* Build and maintain productive relationships with operational teams, underwriters, valuers, legal advisors, and asset managers to ensure efficient case management.
Experience required:
* Significant experience in arrears, default, case management or litigation in a financial services/mortgage sector.
* Excellent verbal and written communication and interpersonal skills.
* Knowledge of Microsoft Office, in particular Excel.
* Able to make risk-based recommendations & decisions and coherently and accurately document these decisions.
* Skill to manage complex emotive cases with empathy and firmness with a strong focus on the delivery of good customer service.
* Good organisation and planning.
* High attention to detail and accuracy.
* Strong team player with the ability to work independently.
* Able to mentor, train and coach others in technical areas.
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