What you will do:
1. Provide Mortgage Lending Decisions for both Residential and Buy to Let mortgages in a timely fashion, avoiding unnecessary documentary requirements, utilising automated valuations and demonstrating effective pipeline management without compromising consistent and fair customer outcome.
2. Manage own pipeline of mortgage applications and ensuring that all notes are clear and concise, driving clearer communication with intermediaries regarding application progress.
3. Avoid unnecessary operational losses by showing strong Attention to Detail and consistency following Metro Bank Mortgage processes.
4. Demonstrate a full understanding of responsible lending and regulatory knowledge applicable to the role. Able to prioritise effectively to manage multiple underwriting functions.
5. Strive to provide the best customer journey on all mortgage applications adopting the mindset to be the biggest player in the specialist mortgage arena through service.
6. Support other colleagues in the wider Mortgage teams where help or guidance is required is required.
7. Support the frontline sales teams in maintaining excellent relationships with their Intermediaries.
8. Uphold the company's Code of Business Ethics and fulfil responsibilities related to the prevention of financial crime, including money laundering, and fraud detection/reporting.
And... we are a bank so risk is a part of everything we do. We love people who take responsibility, do the right thing for customers, colleagues and Metro Bank and have the courage to call out any concerns.
What you will need:
9. Significant knowledge of both Residential and Buy to Let mortgage lending, with a keen understanding of current mortgage industry trends and regulation.
10. In-depth knowledge of the mortgage intermediary market and understanding of mortgage regulation and legal requirements surrounding mortgage underwriting.
11. Excellent communication skills with the confidence to engage effectively with Business Development Managers and other Mortgage colleagues on application discussions.
12. Astute awareness of organised fraud and the systems and controls in place to mitigate such risks
13. Good use of initiative to deliver more than just the minimum required in each task.
14. CeMAP qualified is preferable.
Our promise to you…
• We believe in “one in, one up” at Metro Bank, growing our own and promoting from within. That is why we are looking for YOU! An AMAZEING colleague to move into this FANtastic new role!
• We will make sure that you are well-rewarded by providing you with a competitive salary, discretionary annual bonus, and a wide range of benefits, including generous holiday allowance, attractive pension scheme, healthcare, life assurance, and a number of colleague discounts!
• We will give you the training to ensure you succeed in your role and plenty of internal opportunities to progress your career (around 40% of our recruitment comes from internal promotions!).
• We are also all about balance so most of our jobs offer the opportunity for hybrid working built around your role and home life, wherever possible.