As a highly motivated and experienced Mortgage Advisor, the candidate will be responsible for providing comprehensive mortgage advice to clients. From Fact-find and affordability assessment to recommendation, application, approval and drawdown.
Key Responsibilities
Client Advisory & Suitability
* Conduct comprehensive fact-finds, KYC/AML checks and affordability assessments.
* Provide regulated mortgage advice to first-time buyers, movers, switchers, self-build, buy to let applicants.
Application Management
* Prepare, submit and track mortgage applications, liaising with lenders, solicitors, valuers and internal team.
* Proactively manage pipeline from AIP to drawdown, resolving documentation and underwriting queries.
Market & Product Expertise
* Maintain up to date knowledge of lender criteria, rates, incentives.
Sales & Relationship Management
* Build a referral network (estate agents, accountants, developers) and nurture client relationships for repeat/switch opportunities.
Teamwork & Continuous Improvement
Collaborate with case managers/administrators for seamless client experience.
Contribute to process improvements and share market insights with the team.
Identify and pursue new business opportunities. Achieve agreed annual sales targets. Record all activity on the internal reporting tools and remain disciplined to the sales process.
Networking – internally with other business units, within the sector, and with external specialists
Adhere to regulatory requirements in all aspects of day-to-day work and to the business ethics of the company.
Maintain up to date client records and ensure high standard of client files on the dedicated CRM system.
Adherence to the LHK values and a commitment to maintaining and developing the brand integrity at all times
Necessary Skills / Qualifications
* Bachelor's degree in business, finance, or a related field (desirable)
* Industry Specific Qualifications: QFA (essential)
* Technical knowledge of all financial products in the marketplace
* Ideally of 3 – 5 year's sales experience within the Mortgage industry, preferably in a broker environment
* Proven track record of working to and achieving annual sales targets
* Good understanding of relevant regulatory requirements
* Strong interpersonal skills with the ability to build and maintain solid client relationships
* Strong self-awareness and self-presentation
* Professional demeanour
* Proficient IT skills with working knowledge of Microsoft Excel and Word
* Work well under pressure and as part of a team
* Compliant with CPD requirements
Remuneration
* Salary will be commensurate with experience
* 23 days annual leave
* Bonus and commission structure
* Defined Contributory Pension Scheme
* Death in Service and Income Protection Cover
* Employee Assistance Programme
* Examinations/further study sponsored where relevant to role
* Business expenses
* Laptop and Company mobile phone
* Free parking