Mortgage Account Manager - Broker Connect

HANDELSBANKEN PLC; Manchester; On-site; GBP 35,000 - 45,000; Full time

Job summary

A prominent relationship bank in Manchester seeks a Mortgage Account Specialist to ensure excellent processing of intermediary introduced mortgages. The role requires strong customer service skills, CeMap qualification, and ability to assess lending propositions. The successful candidate will manage relationships with intermediaries and internal stakeholders, emphasizing a smooth mortgage lifecycle from assessment to drawdown.

Benefits

Competitive salary

Private medical insurance

Market-leading pension contribution of 15%

Qualifications

• Experience of working with intermediaries and processing RMC's.
• Demonstrate ability to manually assess and underwrite a lending proposition.
• Ability to interpret financial information and evaluate credit applications.

Responsibilities

• Responsible for smooth processing of business introduced to Broker Connect.
• Build relationships with intermediaries ensuring customer satisfaction.
• General administration for mortgage and customer files.

Skills

Customer service skills

Ability to assess lending propositions

Attention to detail

Strong communication skills

Interpersonal skills

Education

CeMap qualification

Tools

Microsoft Office (Excel, Word, PowerPoint)

Job description

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Job Introduction

Handelsbanken for Intermediaries operations channel named 'Broker Connect' takes responsibility for handling selected intermediary introduced mortgages through their initial lifecycle. Where these opportunities align with our current relationship model and low risk credit appetite, Broker Connect manage the broker advised mortgage through to drawdown before passing over to the local branch to manage and develop the longer-term relationship. A strong partnership with our branch colleagues and intermediaries throughout this process is therefore essential.

The post holder will be responsible for the mortgage affordability assessment, credit and AML processes, along with ensuring the smooth passage of business through to drawdown. With recent experience either working for a UK lender and/or as a mortgage broker, the successful candidate will be able to demonstrate many examples of recent broker RMC cases that they have completed.

They will maintain strong relationships with the 'partnered' intermediaries to ensure the smooth processing of business, providing weekly/ trigger event updates to the introducer, branch and client.

The post holder will be expected to establish and maintain strong working relationships with our key internal stakeholders for this role which include: the Branch Network, specifically Branch Managers, Head of Connect, Head of National Intermediaries, Broker Connect Business Development Managers, Mortgage Support, Credit, Finance, Risk, Compliance and Internal Audit.

Main Responsibilities

• Responsible for the smooth processing of new business introduced to the Broker Connect. Building relationships with the intermediaries and ensuring satisfaction through the provision of excellent customer service.
• Demonstrating a sound understanding of, and an ability to work within the Bank's Credit Policy.
• The ability to interpret financial information provided by customers, evaluate lending propositions, assess & formulate risk ratings correctly and structure transactions.
• Using the appropriate Bank systems to complete credit applications and document regulated mortgage paperwork.
• Maintain relationships with intermediaries and professional firms.
• A demonstrable understanding of the mortgage and other individual banking products offered by Handelsbanken and a good understanding of competitor products, relevant industry and market driven trends.
• Being able to demonstrate an ability to identify and recommend (to the receiving branch), the appropriate non MCOB regulated Handelsbanken product/s.
• General administration, preparation of legal documentation for accounts and mortgages, maintaining customer's files (including CDD/AML requirements).
• Working with the rest of the team to ensure the highest levels of (i) customer service, and (ii) Good Administrative Order, as well as supporting branches achieve their new Private Mortgage business plan goals.

Ideal Candidate

Research (by Harvard University) shows that women are particularly likely to second guess themselves and not apply - so if you are worried you don't meet all the criteria, get in touch anyhow and let us do the worrying...

• CeMap qualification is essential
• Experience of working with intermediaries, processing RMC's
• Excellent customer service skills
• The ability to manually assess and underwrite a lending proposition, which often incorporates multiple income sources and non-standard collateral characteristics
• A good understanding of the MCOB, being able to demonstrate a good track record of RMC completions, satisfactory file checks and good customer outcomes
• Attention to detail and a methodical approach
• Good knowledge of Microsoft Office tools, especially Excel, Word and PowerPoint
• Structured work practice and a strong sense of administrative order
• Excellent verbal and written communication skills
• Ability to build strong professional relationships at all levels and represent Handelsbanken effectively
• Passionate, committed and driven to achieve our growth objectives, demonstrating resilience at times when case volumes are higher than expected
• Interpersonal skills and the ability to work well with impact with people at all levels
• Integrity and discretion

Company Information

Handelsbanken is a relationship bank with a decentralised way of working, a strong local presence thanks to a nationwide network of branches, and a long-term approach to customer relations. Each Handelsbanken branch operates as a local business enabling it to make decisions at a local level and provide a bespoke service. The focus is always on the need of the individual customer and not on the sale of specific products.

The Bank is deeply committed to embedding good equality and diversity practice into all of our activities. This is so that we are an inclusive, welcoming and inspiring place to work that encourages everyone to apply, regardless of socio-economic background, age, disability, pregnancy and/or parental status, race (including colour, nationality, and ethnic or national origin), veteran status, marital and civil partnership status, religion or belief, sex, gender reassignment or sexual orientation.

Check our Handelsbanken website for further information

At Handelsbanken, we deeply value our unique culture and values including trust in and respect for each individual. We take pride in nurturing a work environment where people flourish, and where they are empowered to take decisions in their areas of expertise. We take a long term perspective in everything we do and want each employee who joins us to build a long terms successful career with the Bank.

What is in it for you?

• We have a wide range of learning and development available, empowering and enabling our colleagues to take ownership of their own development.
• Competitive Salary and an extensive range of benefits is provided, including private medical insurance, income protection and life assurance
• A market-leading pension contribution of 15% paid by the bank, which can be invested in a wide range of funds (including ESG and Shariah funds)

Application next steps

Your journey with us begins once you have submitted your application. One of our Handelsbanken recruiters will be reviewing your details and will later organise a phone conversation if you match the role requirements. If there is a mutual fit, we will extend an invitation for you to participate in an interview.

How can we support you to be your best self? Our Talent Acquisition team will be happy to provide support e.g. if you need additional time to prepare for an interview or you have any requirements for any part of the interview/hiring process - just let us know by email [e-mail] .

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