To provide excellence in customer service, contributing to the delivery of the Company's lending objectives by managing applications through the mortgage process.
Key responsibilities
1. Administer the processing of mortgage applications from receipt through to offer stage in accordance with the Company's policies.
2. Observe regulatory and ethical standards.
3. Adhere to policies and procedures.
4. Deliver excellent customer service through attention to detail, problem solving, and communication.
5. Provide timely and accurate responses to telephone calls, emails, and other communications for all mortgage applications.
6. Prepare fully packaged applications to be passed to underwriters.
7. Liaise with brokers and other third parties to obtain outstanding documentation and information.
8. Make initial lending decisions, working with underwriters to identify suitable applications that can proceed.
9. Follow up with brokers, customers, surveyors, and solicitors to ensure smooth progress of applications.
10. Communicate decisions to brokers.
11. Issue mortgage paperwork to brokers, customers, and solicitors.
12. Input and update account and customer records.
13. Demonstrate compliance with the Company's policies and procedures.
14. Operate in accordance with regulatory requirements as per the Company's responsible lending and underwriting policies.
15. Comply with the Money Laundering Regulations 2007 (and successors) and the Company's Financial Crime policies.
16. Maintain records as required by regulations, including affordability calculations, underwriting records, questionnaires, etc.
17. Keep current knowledge of applicable regulations.
18. Participate in training and ongoing professional development (CPD).
The Person
Skills & Requirements
* Strong team player
* Good attention to detail
* Adaptability
* Clear communication skills
* Ability to work under pressure and meet strict deadlines
* Mortgage administration experience
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