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    Mortgage Advisor

  • Job type: Permanent
  • Sector: Other
  • Location: Chorley, Lancashire
  • Salary: Negotiable
  • Date posted: 30/08/2018
  • Job reference: 35285_1535629493

Based in Chorley my clients have an urgent requirement for a Mortgage Advisor to provide an efficient and professional mortgage advisory service to the Society's members and customers through compliant regulated meetings.

Provide accurate mortgage advice to prospective mortgage customers face-to-face and/or over the telephone.

To support the delivery of the Society's mortgage retention strategy, through proactive contact of customers in advance of their current scheme ending.

Process mortgage applications on the Society software system and complete all procedural administrative documentation efficiently liaising with the customer during the application process.

Maintain accurate records and notes throughout all stages of the mortgage application.

To approve mortgage applications within specified limits in accordance with Society Lending Policy.

To consider mortgage applications outside standard lending policy where a justifiable business reason exist.

To present out of criteria cases to Credit Risk Committee with appropriate recommendations and rationale.

To maintain professional business relationships with BDMs, mortgage introducers and external contacts, providing information and guidance when required.

To provide support to the Head of Lending on regulatory projects and compliance matters as required.

To take ownership for maintaining up to date knowledge of regulatory matters and sharing with colleagues across the Mortgage Department.

Maintain knowledge and comply with all legal responsibilities and codes of conduct to which the Society must comply with i.e. MCOB, DPA, FCA etc.

To meet all requirements of the Training & Competence scheme.

To deal with customer dissatisfaction and complaints as required.

Identifying opportunities for continuous improvement of products, policy, processes and procedures.

Capture all risk events and near misses on the events log within 48 hours of identification.

Carry out such other duties, which are consistent with the nature, responsibilities and expectations of the position.

Certification Requirements

Discharge and comply with your regulatory responsibilities of any regulatory authority which is relevant to your role and/or to the Society including, but not limited to, the provisions of all regulations arising from the Financial Services and Markets Act 2000 (the "Act").

Promptly disclose any wrongdoing to the Society, and/ or the Regulator as appropriate, or proposed wrongdoing by any employee, worker, director or other officer of the Society, including your own wrongdoing, and any matter which the Society might reasonably consider would affect your fitness and propriety.

Comply with all relevant Conduct Rules issued by the FCA and/or the PRA and are applicable to your role.

Maintain and renew any necessary certifications or authorisations required in order to satisfactorily perform any aspect of your role.

Notify the Society immediately of any change in circumstances relevant to your Certification status.

Consent to due diligence checks in accordance with the requirements of the Society and Regulator.

Technical skills, knowledge and experience requirements

This role is a certified role under the certification scheme.

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

To apply for this role please forward your CV to Tracy Bolan at Clayton Recruitment using the links below.

At Clayton Recruitment we passionately believe your talent matters, so we specialise in recruiting the best talent and connecting this to your opportunities. Based in the North West, our pedigree and service levels give those looking to make a move a refreshingly different recruitment experience. You will work with experienced professionals, dedicated to your success. Take a look at our web site www.clayton-recruitment.co.uk for our latest blogs and news and to keep up to date with current vacancies.

Clayton Group is acting as an Employment Agency in relation to this vacancy.