Business Unit: Mortgage Operations
Salary: £23,500 - £27,000 per annum
Location : UK Hybrid Glasgow/ Gosforth
Our Document Assessor role is in a fast paced, exciting environment where no two days are the same. There’s a buzz in the department and it’s the sound of us delightfully surprising our customers! We provide a fantastic all-round experience for existing customers, helping them with a range of queries.
What you’ll be doing
* You are responsible for the successful assessment of mortgage application documentation in line with policy, risk and regulation, whilst at all times demonstrating adherence to Responsible Lending principles.
* You’ll support colleagues across Virgin Money, providing guidance, advice, support and coaching to increase capability and ensure our customers receive a right first-time service.
* You’ll promote Virgin Money by demonstrating the required behaviours, Customer Experience and by being an ambassador for the brand.
* Effectively assess documentation in line with your delegated authority, fully demonstrating that the loan is reasonable and in line with the original lending decision and VM policy.
* Effectively verify the adequacy and authenticity of supporting documentation ensuring that any that any fraud or financial crime suspicions are reported.
* Build professional relationships with our Intermediary partners, keeping them informed throughout the mortgage process.
* Identify improvements to processes, procedures, policy and systems, suggesting ways to maximise efficiency, increase capability and reduce rework.
* Play an active role in the development and implementation of new commercial strategies/projects, ensuring that the impact on process and underwriting is fully understood/considered.
* Manage your own performance, actively monitoring and managing your quality, productivity, and overall performance, taking proactive action to continuously improve.
* Keep up to date on all policy, procedure, operational and corporate changes, by reading communications and viewing Intranet content.
* Maintain a strong awareness of any changes within the business and industrywhich could improve our processes, procedures and policy, taking proactive steps to make valuable and sustainable changes.
We need you to have
* Proven experience in mortgage industry and an understanding of the end to end process
* Ability to pay close attention to detail, whilst working in a fast-paced environment.
* Demonstrated excellence in verbal and written communication, supported by strong PC literacy and proven administrative capabilities
* Proven ability to successfully manage diverse workloads and complex proves in fast paced, deadline drive environments
* Track record of consistently delivering outstanding customer experiences through a strong focus on quality and service
Red Hot Rewards
* Generous holidays - 38.5 days annual leave (including bank holidays and prorated if part-time) plus the option to buy more.
* Up to five extra paid well-being days per year .
* 20 weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt.
* Market-leading pension.
* Free private medical cover, income protection and life assurance.
* Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness.
And there's no waiting around, you'll enjoy these benefits from day one.
If we’re lucky to receive a lot of interest, we may close the advert early. Please ensure to submit your applications as soon as possible.
Say hello to Virgin Money
Virgin Money is so much more than just a bank. As part of the Nationwide group, together we're the UK's first full-service mutual bank serving millions of retail and business customers and all driven by our purpose ; Banking but fairer, more rewarding and for the good of society. With us, you’ll be part of an organisation uniquely positioned to make a difference to the lives of customers, communities and broader society and embark on a collaborative, customer obsessed, and fun-filled career journey. Embrace the weekdays, enjoy fantastic perks, and make a meaningful positive difference. Time to discover what it means to be part of the first mutual full-service banking provider.
Be yourself at Virgin Money
At Virgin Money, we celebrate everyone. We have fun, think big, and relentlessly include each other, all in pursuit of our purpose: Banking – but fairer, more rewarding, and for the good of society. We’re committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard.
As a Disability Confident Leader, we're committed to removing any obstacles to inclusion. If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team careers@virginmoney.com
Please note: If we receive a high volume of eligible applications, we may need to prioritise candidates whose skills and experience most closely align with the role, while still ensuring fair and equitable consideration for all applicants.
Now the legal bit
Although some of our roles allow you to be based anywhere in the UK, we'll need you to confirm you have the right to work in the UK.
If you're successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years' worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks – we'll ask for six years of regulatory references, and once in the role, you'll be subject to periodic employment checks.