Job Purpose
The Mortgage Specialist will play an essential role in supporting the bank's growth. They will report into the Head of Banking South & Intermediaries and will work closely with the Banking Directors and Associate Banking Directors across the UK to deliver regulated mortgage advice to clients while meeting our regulatory requirements.
This role is key to providing good outcomes to clients looking for regulated mortgages.
Successful candidates will have the opportunity to be part of a team focused on the centralised delivery of regulated mortgage advice.
Main Responsibilities / Key Duties
* Support the relationship banking team by providing regulated mortgage advice to their new and existing clients.
* Manage and deliver the regulated mortgage advice process from beginning to end.
* Assess clients' financial needs and wants to provide tailored regulated mortgage advice.
* Conduct thorough pre-approval assessments to determine clients' borrowing eligibility.
* Preparation and completion of mortgage applications and delivery of suitable regulated mortgage advice.
* Write and submit mortgage proposals for approval by the relationship banker.
* Clearly communicate the regulated mortgage decision to the relationship banker for them to explain to their client.
* Liaise with Banking Directors and Associate Banking Directors regarding the status of regulated mortgage applications and keep them fully informed throughout the mortgage application and advice process.
* Management of lending files, ensuring all required documentation is correct and included within the file.
* Manage clients' expectations and provide regular updates throughout the mortgage process.
* Keep up to date with industry developments, regulatory changes and best practice to provide informed advice and good outcomes for clients.
* Create business opportunities for the relationship banking team by being able to articulate the Bank's sound credit profile, our range of savings products and explain how we deliver bespoke solutions to our clients.
* Full compliance with regulatory requirements, risk appetite and Bank policies and guides to make sure we are lending responsibly and providing good outcomes for our clients.
* Maintain accurate and relevant client records in accordance with the Bank's procedures and data protection requirements including KYC and anti-money laundering reviews.
* Develop and maintain a sound understanding of the Bank's operations, commercial environment and factors affecting client base
* Consistent and accurate use of CRM system including updating meetings, contacts, prospects and business referrals, client complaints and vulnerable clients.
* Work alongside colleagues from across the Bank to provide exceptional client service and meet the Bank's objectives.
* Undertake or support ad-hoc business projects as required.
Training and Competency
* Timely completion of mandatory eLearning and reading, and any other assigned training.
* Completes all required regulated mortgage Training & Competence activities on time including observations.
Required Qualifcations, Knowledge, & Skills
* CeMAP / MAPC qualified and maintain fitness & proprietary standards to provide clients with regulated mortgage advice.
* Previous experience of mortgage underwriting and loan processing for regulated mortgages.
* Excellent attention to detail and high levels of accuracy.
* Skilled at developing and maintaining strong professional relationships across all levels, both internally and externally.
* Use of effective questioning and listening skills to establish client needs.
* Strong interpersonal and communication skills (both written and oral).
* Ability to work independently and manage multiple priorities in a fast-paced environment.
* Comfortable challenging colleagues and clients appropriately to ensure best outcomes.
* Ability to present appropriate advice and recommendations in a clear, concise, and accurate manner.
* A collaborative team player who contributes positively to team dynamics and morale dedicated team player.
* Takes ownership, accountability and follows through on tasks until completion.
* Identifies and suggests enhancements to policies and procedures to support the Bank's continuous improvement.
About Us
At Hampden Bank, we provide private banking as it should be: approachable, accessible expertise delivered through loyal, long-lasting client relationships. Personalised service is at the core of our business, with a culture that is built on relationships. We take the time to get to know our clients to help them achieve their aspirations.
Why join us
As a growing and ambitious company, we seek people to join our team who share our values; Proud Ownership, Absolute Integrity, Total Inclusivity, Winning Teamwork and Purposeful Growth.
We are committed to an inclusive culture where everyone is comfortable to be their authentic self. We recognise, value and respect diverse cultures, knowledge, and identities. We work together to ensure collaboration, development, and success for everyone, supporting them to thrive and reach their potential.
We offer exciting career opportunities through professional and personal development, and have an extensive range of benefits you can enjoy.
To apply
Please submit your CV by the closing date. Please remember, on occasion we do receive more applications than expected we may bring the closing date forward, so please do apply promptly.
If you require reasonable adjustments to be made during the recruitment process, please let us know by contacting the People Team and we will endeavour assist you.
If you are excited about this opportunity and think you can bring value to the role and Hampden Bank, but your experience does not align perfectly with every aspect of what we are looking for, we would be happy to hear from you.
If you have any questions or are interested in learning more about the role, please contact the People Team and we will get back to you as soon as possible.
Hybrid working / flexible working
We support hybrid working and our policy is that colleagues spend at least 60% of their working week in the office to connect and collaborate with their colleagues.
We are open to considering requests from candidates who are looking for flexible arrangements. Please talk to us at interview about the flexibility you are looking for, and we will explore what is possible for the role. We cannot promise to meet every request, but we will not judge you for asking.