Flexible Working: Hybrid

The Mortgage Advisor will provide an efficient and professional mortgage advisory service to the Society’s members and customers through compliant regulated meetings.

Key Responsibilities:

• Provide accurate mortgage advice to prospective mortgage customers face-to-face and/or over the telephone.

• To support the delivery of the Society’s mortgage retention strategy, through proactive contact of 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.

• To approve mortgage applications within specified limits in accordance with Society Lending Policy.

• To consider mortgage applications outside standard lending policy where a justifiable business reason exist.

• To present out of criteria cases to Credit Risk Committee with appropriate recommendations and rationale.

• To maintain professional business relationships with BDMs, mortgage introducers and external contacts, providing information and guidance when required.

• To take ownership for 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 to which the Society must comply with i.e. Vulnerable Customers, AML, MCOB, DPA, FCA etc.

• To meet all requirements of the Training & Competence scheme.

• To deal with customer dissatisfaction and complaints as required.

• Identifying 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 such other duties, which are consistent with the nature, responsibilities and expectations of the position.

• All frameworks, policies and procedures relevant to this role must be complied with.

Key Skills & Experience:

• This role is a certified role under the certification scheme.

• CeMap qualified or industry equivalent.

• 5 GCSE at Grade C or above including Maths and English or equivalent.

• Excellent communication skills both written and verbal.

• Experience of Microsoft packages including word & excel.

• Ability to independently manage multiple tasks

• Strong attention to detail