Lending Assessor

Hampshire Trust Bank; Greater London; Hybrid; GBP 26,000 - 38,000; Full time

Benefits offered by this job

Hybrid working 50/50

25 days annual leave

Private Medical Insurance

Pension scheme

Cycle to Work & Green Car Schemes

Study support & memberships

Annual volunteering day

Job summary

Hampshire Trust Bank is seeking a Lending Assessor to support the Specialist Mortgages Underwriting Team. The role focuses on quality checks at key stages, data accuracy, and administrative support for broker partners in a hybrid London office environment.

You will review applications, assist with credit/AML/land registry checks, and help with valuation processes to ensure smooth sanctioning of offers. The role requires attention to detail and good organisation.

Qualifications

• Previous experience in a mortgage processing role with a lender, packager or broker (desirable, but not essential).
• Proficient using Microsoft Office packages (including Excel & PowerPoint).
• Good standard of education, including GCSE English and Maths at Grade C or above (or equivalent).
• Exceptional attention to detail, rigor, and accuracy.
• Excellent planning, organisation and interpersonal skills.

Responsibilities

• Ensure all data held on the origination system is of the highest quality for accurate reporting and future engagement with customers and/or their affiliates.
• Undertake monthly reviews of new applications set-up, formal offers, data accuracy on origination systems and completions.
• Ensure timely completion of monthly audits.
• Identify any potential risk(s) and ensure these are addressed accordingly.
• Evaluate telephone calls monthly, or by management’s request, to ensure the highest standards of customer service are maintained and delivered to our customers and their affiliates.
• Communicate feedback accurately, concisely, and constructively.
• Conduct and complete an initial review of documentation received, ensuring all required items and documentation have been provided and are satisfactory.
• Ensure all required credit, AML, and Land Registry searches are completed accurately and are attached to the case for underwriting assessment(s).
• Update searches in the event they expire during the process.
• Provide assistance with the valuation processes, updating the origination system as required and proactively chasing any requirements needed from valuers for the underwriter to proceed to offer.
• Ensure brokers receive excellent client service during the offer sanctioning process, providing regular updates, and proactively chasing requirements to support a swift turnaround for offer.
• Efficiently produce high quality and accurate mortgage documentation upon a loan being sanctioned.
• Manage all key data requirements, ensuring data entry are accurate and completing any remediation required.
• Accurately input appropriate data into the Phoebus system.
• Support the division with any general administrative needs as required

Skills

Mortgage processing experience

MS Office (Excel/PowerPoint)

Attention to detail

Organisation skills

Interpersonal skills

Self-motivation

Education

GCSE English & Maths

Job description

Location: London (Head Office)

Hours: Monday to Friday, 9:00am–5:30pm

Working Pattern: Hybrid (50/50)

Reports to: Lending Assessor Team Manager

Department: Specialist Mortgages Operations

Hampshire Trust Bank is a specialist bank, staffed by experts focused on helping UK businesses realise their ambitions.

We offer niche specialty lines, as an SME bank, targeting under-served segments. Our dedicated Wholesale Finance, Bridging Finance, Development Finance and Specialist Mortgages teams ensure that businesses receive the outstanding service, lasting relationships, integrity, and expertise they need to prosper.

We also provide savings accounts to individuals and businesses and since we lend to SMEs, our savers can be sure their money will help boost the British economy. Our vision is to be the go-to bank in our chosen markets; to deliver positive customer outcomes, rewarding careers and great shareholder value through a high-performing culture grounded in excellence and integrity.

Discover more about working at HTB here - Life at HTB | Careers & Inside Hampshire Trust Bank (HTB)

About the Role

In this dynamic role, the Lending Assessor shall provide quality checking at key stages of the application process along with administrative assistance and support to the Specialist Mortgages Underwriting Team and to the Group’s broker partners to progress loan applications.

The working pattern for the role will be hybrid, with a minimum 50% of time spent in our London offices.

Key Responsibilities

• Ensure all data held on the origination system is of the highest quality for accurate reporting and future engagement with our customers and/or their affiliates.
• Undertake monthly reviews of new applications set-up, formal offers, data accuracy on origination systems and completions.
• Ensure timely completion of monthly audits.
• Identify any potential risk(s) and ensure these are addressed accordingly.
• Evaluate telephone calls monthly, or by management’s request, to ensure the highest standards of customer service are maintained and delivered to our customers and their affiliates.
• Communicate feedback accurately, concisely, and constructively.
• Conduct and complete an initial review of documentation received, ensuring all required items and documentation have been provided and are satisfactory.
• Ensure all required credit, AML, and Land Registry searches (together with any other documentation as required) are completed accurately and are attached to the case for underwriting assessment(s).
• Update searches in the event they expire during the process.
• Provide assistance with the valuation processes, updating the origination system as required and proactively chasing any requirements needed from valuers for the underwriter to proceed to offer.
• Ensure brokers receive excellent client service during the offer sanctioning process, providing regular updates, and proactively chasing requirements to support a swift turnaround for offer.
• Efficiently produce high quality and accurate mortgage documentation upon a loan being sanctioned.
• Manage all key data requirements, ensuring data entry are accurate and completing any remediation required.
• Accurately input appropriate data into the Phoebus system.
• Support the division with any general administrative needs as required

What We’re Looking For

Required Skills & Experience

• Previous experience in a mortgage processing role with a lender, packager or broker (desirable, but not essential)
• Proficient using Microsoft Office packages (including Excel & PowerPoint).
• Good standard of education, including GCSE English and Maths at Grade C or above (or equivalent).
• Exceptional attention to detail, rigor, and accuracy.
• Excellent planning, organisation and interpersonal skills.
• Self-awareness and resilient.
• Portrays risk awareness through curiosity and questioning.
• Willingness to learn and develop new skills.
• A self-starter with a high level of initiative and professionalism.

Benefits

• Competitive salary
• Discretionary annual bonus
• Hybrid working (50/50)
• 25 days annual leave (increasing with service) + Holiday Buy Scheme
• Private Medical Insurance (Bupa)
• Mental health & wellbeing support via Bupa
• Pension scheme – 8% employer contribution (non-contributory)
• Cycle to Work & Green Car Schemes
• Interest‑free season ticket loan
• Study support & professional memberships
• Annual volunteering day & Net Zero commitment