OverviewAssociate Director, Mortgage Specialist at s1jobsEdinburgh, Scotland, United KingdomJob PurposeThe Mortgage Specialist will play an essential role in supporting the bank’s growth. They will report into the Head of Banking South & Intermediaries and will work closely with the Banking Directors and Associate Banking Directors across the UK to deliver regulated mortgage advice to clients while meeting our regulatory requirements. This role is key to providing good outcomes to clients looking for regulated mortgages. Successful candidates will have the opportunity to be part of a team focused on the centralised delivery of regulated mortgage advice.ResponsibilitiesSupport the relationship banking team by providing regulated mortgage advice to their new and existing clients.Manage and deliver the regulated mortgage advice process from beginning to end.Assess clients’ financial needs and wants to provide tailored regulated mortgage advice.Conduct thorough pre-approval assessments to determine clients’ borrowing eligibility.Preparation and completion of mortgage applications and delivery of suitable regulated mortgage advice.Write and submit mortgage proposals for approval by the relationship banker.Clearly communicate the regulated mortgage decision to the relationship banker for them to explain to their client.Liaise with Banking Directors and Associate Banking Directors regarding the status of regulated mortgage applications and keep them fully informed throughout the mortgage application and advice process.Management of lending files, ensuring all required documentation is correct and included within the file.Manage clients’ expectations and provide regular updates throughout the mortgage process.Keep up to date with industry developments, regulatory changes and best practice to provide informed advice and good outcomes for clients.Create business opportunities for the relationship banking team by articulating the Bank’s sound credit profile, our range of savings products and bespoke solutions.Full compliance with regulatory requirements, risk appetite and Bank policies and guides to ensure responsible lending and good client outcomes.Maintain accurate and relevant client records in accordance with the Bank’s procedures and data protection requirements including KYC and anti-money laundering reviews.Develop and maintain a sound understanding of the Bank’s operations, commercial environment and factors affecting the client base.Consistent and accurate use of CRM system including updating meetings, contacts, prospects and business referrals, client complaints and vulnerable clients.Collaborate with colleagues across the Bank to provide exceptional client service and meet the Bank’s objectives.Undertake or support ad-hoc business projects as required.Training and CompetencyTimely completion of mandatory eLearning and reading, and any other assigned training.Completes all required regulated mortgage Training & Competence activities on time including observations.Required Qualifications, Knowledge, & SkillsCeMAP / MAPC qualified and maintain fitness & proprietary standards to provide clients with regulated mortgage advice.Previous experience of mortgage underwriting and loan processing for regulated mortgages.Excellent attention to detail and high levels of accuracy.Skilled at developing and maintaining strong professional relationships across all levels, both internally and externally.Use of effective questioning and listening skills to establish client needs.Strong interpersonal and communication skills (both written and oral).Ability to work independently and manage multiple priorities in a fast-paced environment.Comfortable challenging colleagues and clients appropriately to ensure best outcomes.Ability to present appropriate advice and recommendations in a clear, concise, and accurate manner.A collaborative team player who contributes positively to team dynamics and morale.Takes ownership, accountability and follows through on tasks until completion.Identifies and suggests enhancements to policies and procedures to support the Bank’s continuous improvement.About UsAt Hampden Bank, we provide private banking as it should be: approachable, accessible expertise delivered through loyal, long-lasting client relationships. Personalised service is at the core of our business, with a culture that is built on relationships. We take the time to get to know our clients to help them achieve their aspirations.Why join usAs a growing and ambitious company, we seek people to join our team who share our values; Proud Ownership, Absolute Integrity, Total Inclusivity, Winning Teamwork and Purposeful Growth. We are committed to an inclusive culture where everyone is comfortable to be their authentic self. We recognise, value and respect diverse cultures, knowledge, and identities. We work together to ensure collaboration, development, and success for everyone, supporting them to thrive and reach their potential. We offer exciting career opportunities through professional and personal development, and have an extensive range of benefits you can enjoy.To applyPlease submit your CV by the closing date. If you require reasonable adjustments to be made during the recruitment process, please let us know by contacting the People Team. If you are excited about this opportunity and think you can bring value to Hampden Bank, but your experience does not align perfectly with every aspect of what we are looking for, we would be happy to hear from you. If you have any questions or are interested in learning more about the role, please contact the People Team and we will get back to you as soon as possible.Hybrid workingWe support hybrid working and our policy is that colleagues spend at least 60% of their working week in the office. We are open to considering flexible arrangements; please discuss your needs at interview. #J-18808-Ljbffr