Overview

Based in London, Milton Keynes, Birmingham or Wilmslow

Job title

Home Finance Adviser Direct Home Finance

Location

London, Milton Keynes, Birmingham or Wilmslow

Responsibilities

• Source and progress Regulated (Home Purchase Plan) and Non-Regulated (Buy to Let) home finance applications through to completion and work within the agreed SLAs.
• Make suitable recommendations to the Bank’s credit function to enable growth of the Home Finance book in line with business strategy, ensuring that all finance applications are completed within policy and criteria.
• Generate telephone appointment activity to achieve new business goals, track potential customers and follow up on enquiries.
• Recommend the most suitable product, term and payment method to suit the customer’s needs, priorities and circumstances.
• Provide a high-quality service to customers in a compliant manner.
• Achieve and maintain competence to ensure continued professional development. Complete extensive due diligence on home finance applications, applying credit assessment skills to determine the basis on which risk is taken.
• Develop existing customer relationships to ensure business retention and growth.
• Achieve set individual targets and contribute to the overall performance of the Commercial and Home Finance business while minimising risk of losses.
• Work alongside the Home Finance BDMs and provide ongoing MI, tracking lead source and outcomes.
• Ensure market, sector, and regulatory knowledge is continuously developed and maintained.
• Understand and abide by the principles of Conduct Risk, Treating Customers Fairly and Consumer Duty rules.
• Undertake other duties commensurate with the grade and level of responsibility of the post, as required.
• Operate within the agreed SLAs.
• This role is in-scope of the Regulators’ Senior Manager and Certification Regime and requires annual assessment and certification as a certified function; discharge governance responsibilities accordingly.

Qualifications and skills

• Previous experience in a Home Finance advisory capacity.
• Experience within the specialist Buy to Let Home Finance sector.
• Detailed understanding of banking credit processes.
• Proven ability to extract key financial information for individuals, partnerships, and companies.
• Excellent telephone manner.
• Computer literate with ability to work with common IT platforms.
• Team player and excellent relationship builder.
• Driven, self-motivated and enthusiastic.
• Advanced understanding of Home Finance products (including Secured Financing). Risk awareness.
• Regulatory standards awareness.
• Ability to work collaboratively with key stakeholders within the bank.
• CeMAP or equivalent qualification.

Desirable qualifications

• Understanding of Shariah Banking.

About us

Founded in 2007, we are a challenger bank that operates in accordance with Shariah principles, with offices in London, Milton Keynes and Wilmslow. We offer personal and corporate savings products and finance for UK residential and commercial property, in addition to sourcing and advising on UK real estate investments.

Benefits

• 25 days holiday entitlement increasing with service
• Pension plan
• Private medical insurance
• Income protection
• Life assurance
• Employee referral bonus

Equal opportunity

Gatehouse Bank is an equal opportunities employer and positively encourages applications from suitably qualified and eligible candidates regardless of sex, race, disability, age, sexual orientation, gender reassignment, religion or belief, marital status, or pregnancy and maternity.

Recruitment

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