Mortgage Arrears Assurance Specialist

Metro Bank Plc; Greater London; Hybrid; GBP 40,000 - 55,000; Full time

Job summary

Metro Bank is seeking a Mortgage Arrears Assurance Specialist to oversee third-party suppliers and improve customer service for mortgage customers in arrears. This role requires strong mortgage arrears knowledge and oversight experience. The position offers hybrid working and a competitive salary with benefits.

Benefits

Generous holiday allowance

Attractive pension scheme

Healthcare

Life assurance

Colleague discounts

Qualifications

• Experience dealing directly with customers in mortgage arrears.
• Experience of oversight/QA in a non-customer facing environment.

Responsibilities

• Oversee and work closely with third-party suppliers for mortgage customers in arrears.
• Prepare detailed and accurate reports for various committees.

Skills

Communication

Oversight

Mortgage Arrears Knowledge

Education

Understanding of Primary and Special Mortgage Servicing

Job description

We have been awarded the “Most Loved Workplace”! At Metro Bank, people come first – our culture is all about bringing the best out in our colleagues, and making sure everyone feels valued, respected, seen and included. We strongly believe in a diverse and inclusive workplace, and to find the very best person for the job we always look across a wide range of diverse communities.

What you will do:

• As a Mortgage Arrears Assurance Specialist at Metro Bank, you will bring your AMAZEING mortgage arrears expertise but to a non-customer facing role – instead, you will oversee and work closely with our trusted third-party suppliers, to ensure that the best outcomes are delivered for mortgage customers in arrears or facing financial difficulty
• Work closely with these third-party suppliers across oversight/quality assurance and mortgage arrears and other special servicing areas
• Using your FANtastic mortgage arrears knowledge, you will be a point of enquiry/escalation for our third-party suppliers on our customers’ mortgage arrears issues
• Undertake detailed and effective customer journey reviews/outcome testing against our assurance frameworks, to support our oversight plan
• Review arrears situations, making evidence-based recommendations
• Work closely with our suppliers to oversee, monitor, and review, with the aim of continuously improving, the customer service experience through the mortgage journey
• Ensure all processes are ‘controlled’ in accordance with our risk framework and meet the relevant regulations that apply to mortgage servicing and arrears
• Prepare detailed and accurate reports for various committees including risk and governance

And... we are a bank so risk is a part of everything we do. We love people who take responsibility, do the right thing for customers, colleagues and Metro Bank and have the ability to call out any concerns.

What you will need:

• This would be a FANtastic opportunity for an individual with experience dealing directly with customers in mortgage arrears, who will retain this expertise, but now in a non-customer facing environment
• Experience of oversight/QA in such an environment would also be highly advantageous
• Experience/understanding of Primary and Special mortgage servicing
• Good working knowledge of arrears and litigation customer journeys, regulatory guidance and other industry guidance and best practice, relating to the fair treatment of customers in arrears and who are vulnerable, including all regulations that apply to mortgage servicing
• Strong written communication skills, particularly creating guidance, process, and training materials to support colleague development and to communicate with customers
• Experience of dealing with complaints and drafting detailed customer communications would also be highly advantageous
• Knowledge of MCOB 13 regulated arrears management policies and standards
• To understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders

Our promise to you…

• We believe in “one in, one up” at Metro Bank, growing our own and promoting from within. That is why we are looking for YOU! An AMAZEING colleague to move into this FANtastic new role!
• We will make sure that you are well-rewarded by providing you with a competitive salary, discretionary annual bonus, and a wide range of benefits, including generous holiday allowance, attractive pension scheme, healthcare, life assurance, and a number of colleague discounts!
• We will give you the training to ensure you succeed in your role and plenty of internal opportunities to progress your career (around 40% of our recruitment comes from internal promotions!)
• We are also all about balance so most of our jobs offer the opportunity for hybrid working built around your role and home life, wherever possible - in this role you will work hybrid, currently the team are in AMAZE Central Holborn once per week on a Tuesday

Diverse teams really are the best teams. We know that candidates (especially women, research tells us) may be put off applying for a job unless they can tick every box. We also know that ‘normal’ office hours aren’t always doable, and while we can’t accommodate every flexible working request we are happy to be asked. So if you are excited about working with us and think you can do much of what we are looking for but aren’t sure if you are 100% there yet… why not give it a whirl? Please note that sometimes we may close a job earlier for applications if we are inundated with amazing candidates.. Good luck!

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