Jobs in Watford, United Kingdom

The role will be to take new enquiries from a variety of sources, identify the requirements and place with the correct lender, underwrite new applications and package them with care, skill, and diligence to present a perfectly packaged case to a lending partner and consistently process pipeline business, ensuring an efficient and satisfactory outcome for the borrower.

You will be required to maintain existing broker and customer relationships generating leads from these contacts. You will deal with both intermediaries and directly with clients offering expert advice on specialised property finance.

• New Enquiries
  • Ensure all details are fully completed on our CRM immediately once new enquiry received
  • Carry out fact find with direct customers where the loan is for a regulated mortgage contract, and we will be providing advice if qualified
  • Complete sourcing for all new enquiries
  • Initial enquiries follow up with call to broker/client
  • Check over terms completed by admin and send out with necessary compliance documentation to client/broker, where the loan is regulated, a recommendation calls to be carried out
• System
  • Keeping notes up to date on all cases
  • Ensure that system folders are kept tidy
• Introducer due diligence
  • Advising compliance of any new brokers so they can request documents
• Documentation
  • Review AIPs and Offers received – checking all financial details and requirements
  • Reviewing documents received and application packs
  • Reviewing valuations when received and submit to lender
• Updates
  • Check case and completion updates for correct content and send to client/broker
  • Manage updates from all parties and inform those who require them
• Other
  • Keeping lender criteria spreadsheet/lender product guides/forms up to date in files
  • Ensuring introducers relationships are maintained and establishing new relationships
  • Maintaining a high level of service for all introducers & their clients
  • Offering best advice to all clients for their borrowing needs
  • Maintaining compliant files
  • Answering calls and taking new enquiries from brokers adhering to the Company's SLA's
  • Reviewing new applications and forming a fully packaged file through liaising with both introducer and clients
  • Processing pipeline business
  • Maintaining back-office system and ensuring this is used correctly in line with Company process
  • Liaising with solicitors, lenders, and brokers on completions
• CPD
  • To ensure CPD is maintained to an appropriate level

• Clear, eloquent and upbeat telephone manner
• Understanding the source of an introduction and when certain types of business should be passed to appropriate staff
• Understanding which regulation applies to which type of application and ensuring the advising broker has the necessary permissions to introduce business of this type
• Lender and product knowledge
• General office skill set
• Ability to manage own diary, manage deadlines and meet targets set

• CeMAP required for handling regulated mortgage contracts; but not essential if focus on unregulated products and you have 2 years minimum industry experience
• GCSE Maths and English essential

• Honesty
• Self-motivation and ambition to learn
• Be enthusiastic and willing to go above and beyond in all tasks big and small
• Be polite & courteous with colleagues and visitors
• Be willing to embrace change (internal changes to systems, adviser/support partnerships, etc.)
• External changes must also be embraced (regulation or lender processes)
• Thinking outside the box and considering best options for the client
• If an application is declined, explore options to move the application forward
• Ambition & eagerness to learn; drive to progress
• Detail oriented; attention to detail in underwriting
• Team oriented; assist others and help train new administrators
• Effective communicator; confident when speaking to people
• Avoid overusing email; proactive when necessary
• Disciplined, punctual & focused; arrive on time
• Works well under pressure; upbeat with a positive attitude
• Open communication with managers & colleagues
• Not covering up mistakes; seek help when needed
• Willing to do more than required and help generate new business
• Greet visitors and manage expectations during busy periods
• Organisation; keep lists and communicate delays promptly
• Take calls when needed and avoid delaying with unnecessary emails
• Willing to take on tasks as part of ongoing development
• Get involved in team discussions and involve managers where appropriate