Summary
Date Posted: Monday, February 20, 2023 , Base Salary: Not Disclosed

JOB DETAILS:
Mortgage Advisor
Department :Lending
Reports to: Lending Team Manager

Company Description
Evolution Money is a young, dynamic organisation and an established lender. We provide specialised homeowner secured loans. Shortlisted for MEN Business of the Year award 2019 and ranked in The Sunday Times Fast Track 100 twice.

Role Objective
To assess new loan applications working within Financial Conduct Authority (FCA), Treating Customer Fairly (TCF) guidelines and in line with our Customer Charter.

Key Responsibilities
• To handle customer and broker enquiries via telephone and written correspondence
• Consistently delivers high standards of customer service ensuring that the customer’s best interests are at the heart of all processes and decisions.
• To conduct credit searches and ensure accurate notes are maintained on the credit file.
• To conduct land registry searches confirming homeowner status, using appropriate questioning to establish additional restrictions or charges.
• Effective use of Zoopla / Hometrack to review comparable property prices to assess the customers suitability for finance.
• Identifies and recommends the most appropriate solution for the customer in line with company policy and lending procedures – undertakes a thorough fact find and capacity check to identify the most appropriate product for the customer’s circumstances.
• Liaises with other departments/brokers/3rd parties to share best practice and to ensure the best solution is provided to the customer.
• To complete an income and expenditure document to assess the customer’s affordability for finance using effective questioning, clear communication and verification of customer understanding.
• Responsible for managing existing client data base once the finance has been agreed in principle to ensure the return of documentation.
• Record comprehensive and accurate notes on customer accounts in line with General Data Protection guidelines.
• Follows company policy and mandates escalating to manager where appropriate.
• Effective use of diary management to maximise client contacts.
• Ensure all activities take place in accordance with our company value and customer charter, General Data Protection principles, TCF principles and Compliance.
• To undertake any other ad-hoc duties relevant to the post as and when required.
• Explores opportunities for self-development in order to achieve and maintain competent status
• Adheres to individual FCA Conduct Rules and maintains Fit and Proper status Required skills and experience
• Strong team player with a positive attitude
• Strong organisational skills with the ability to prioritise daily workload whilst working accurately under pressure
• Excellent customer service skills
• Excellent communication skills and the ability to build effective working relationships
• Minimum of 6 months sales experience, preferably within financial services
• Up to date and working knowledge of all relevant legislation and regulation as stipulated by the FCA
• Previous 2nd Charge manual underwriting (desirable)
• CeMAP level one qualification or the commitment to study and gain qualification within 6 months (essential)


Job Experience: No Requirements

Work Hours: 8

Level of Education: Bachelor Degree

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