Mortgage Advisor

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