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Mortgage Advisor Hybrid Position, Based in Chorley (2-3 days per week)
Permanent / Full Time Position
£30,000 - £35,000
We are currently working with one of leading financial service clients to recruit a Mortgage Advisor into their well-established team, to deliver a high-quality and efficient mortgage advisory service to customers, conducting all meetings in strict adherence to regulatory compliance.
Mortgage Advisor Responsibilities & Key Duties
- Provide Expert Mortgage Advice: Offer accurate and reliable mortgage advice to potential customers, both in-person and over the phone, ensuring a personalised experience.
- Support Mortgage Retention Strategy: Proactively engage with customers before their current mortgage term ends to support the Society's retention strategy and enhance customer satisfaction.
- Efficient Mortgage Application Processing: Process mortgage applications using the Society's software system and handle all related administrative tasks, maintaining clear communication with customers throughout the application process.
- Accurate Record Keeping: Maintain detailed, up-to-date records and notes at each stage of the mortgage application to ensure smooth processing.
- Mortgage Application Approval: Approve mortgage applications within specified limits, ensuring alignment with the Society's Lending Policy.
- Consider Non-Standard Applications: Evaluate mortgage applications that fall outside the standard lending policy, providing justifiable business reasons when necessary.
- Present Out-of-Criteria Cases: Submit non-standard cases to the Credit Risk Committee with well-supported recommendations and rationale for consideration.
- Stay Informed on Regulatory Changes: Continuously update knowledge of regulatory matters, including compliance with the latest mortgage-related laws and share insights with colleagues.
- Comply with Legal & Regulatory Standards: Ensure full compliance with all legal responsibilities, such as regulations on Vulnerable Customers, AML, MCOB, DPA, FCA, and other relevant guidelines.
Technical skill and Knowledge Required;
- 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
