Mortgage Completions Officer

Allica Bank; Milton Keynes; Hybrid; GBP 42,000 - 54,000; Full time

Benefits offered by this job

Full onboarding support and continued.

Flexible working

Regular social activities

Pension contributions

Discretionary bonus scheme

Private health cover

Life assurance

Family friendly policies includingenh.

Job summary

Allica Bank is seeking a Completions Officer to deliver post-offer administration for Commercial Mortgages, guiding cases from sanction through drawdown to completion. You’ll coordinate with underwriting, legal, and valuation partners to ensure fast, accurate settlements and excellent customer experience.

Join a team committed to operational excellence, flexible/hybrid working, and a culture that values service quality, collaboration and regulatory controls to protect customers and the bank.

Qualifications

• Strong customer service ethic in fast-paced environment.
• Excellent analytical and problem-solving skills from a commercial mortgage background.
• Knowledge of the commercial environment and lending pipeline management.
• Good level of financial and commercial awareness.
• Understanding of Conduct and Treating Customers Fairly requirements relevant to Credit Operations.

Responsibilities

• Deliver post-sanction administration for Commercial Mortgages, ensuring timely communications and payments.
• Satisfy Conditions Precedent to the Mortgage, coordinating internal and external stakeholders.
• Manage a pipeline of cases to meet service levels and quality expectations.
• Maintain relationships with legal and valuation panel partners for smooth communications.
• Build relationships with internal stakeholders (Underwriting, Business Development).
• Maintain accurate case records with clear sanction audit trail for MI and monitoring.
• Ensure compliance with policies, procedures and regulatory requirements.
• Communicate information to team members and senior management for informed decisions.
• Maintain and update customer records in the Core Banking system.
• Support Operations and wider lending teams as needed.
• Cross-sell across Asset Finance, Non-Property-backed lending, and unsecured lending where appropriate.

Skills

Customer service

Analytical thinking

Problem-solving

Relationship management

Job description

About Allica Bank

Allica is the UK’s fastest growing company - and the fastest‑growing financial technology (Fintech) firm ever. Our purpose is to help established SMEs, one of the last major underserved opportunities in Fintech.

Established SMEs are the backbone of local communities - representing over a third of our economy - yet have been largely neglected both by traditional high street banks and modern fintech providers.

Role Description

The purpose of the Completions Officer role is to ensure the best possible customer experience for Allica’s lending products from Offer stage through to loan drawdown and completion. Working closely with our Business Development/Relationship Managers, our legal and valuation panels and our Underwriting teams you will be responsible for a portfolio of lending cases, managing all relevant activity to progress the case efficiently and effectively through to completion.

If you think you can deliver operational excellence in the Commercial Mortgage arena, this is the role for you.

Principal Accountabilities

• Deliver post-sanction administration to Commercial Mortgages, ensuring timely release of communications, legal and valuation instructions and payments to support the bank’s ethos of fast, high-quality service.
• Responsible for satisfying Conditions Precedent to the Mortgage, supporting internal and external stakeholders to drive completions.
• Managing a pipeline of cases to ensure adherence to the team’s service level agreements and quality expectations.
• Maintain good working relationships with all legal and valuation panel partners to ensure smooth and timely exchange of correspondence and communication.
• Build and maintain relationships with core internal stakeholders; Underwriting and Business Development Managers being key.
• Maintain clear and accurate records for each case, including clear sanction audit trail, for MI and monitoring.
• Ensure compliance with Bank’s policies, procedures and guidelines together with all appropriate regulatory and statutory requirements, implementing actions to protect the Bank’s business at all times.
• Communicate relevant information to team members, senior management and other interested parties ensuring essential features of the situation are understood, enabling informed decisions to be taken where appropriate.
• Maintain and update customer records, including data entry into the Core Banking system.
• Assist Operations team and other departments as and when directed.
• Support wider lending teams, which may include cross skilling and working across Asset Finance, Non-Property-backed lending, and unsecured lending.

Personal Attributes & Experience

• A strong customer service ethic: Experience of delivering a high standard of customer experience in a fast paced environment.
• Excellent analytical and problem‑solving skills developed from a Commercial Mortgage based background.
• Knowledge of the commercial environment and lending pipeline management.
• A good level of financial and commercial awareness.
• A good understanding of Conduct and Treating Customers Fairly requirements relevant to Credit Operations.
• Excellent oral and written communication skills, along with strong relationship management skills as the role works closely with a number of internal and external stakeholders.

Working at Allica Bank

At Allica Bank we want to ensure our employees have the right tools and environment in which to succeed in their role and in support of our customers.

Our employees are at the heart of everything we do, so our benefits are designed with you in mind:

• Full onboarding support and continued development opportunities
• Options for flexible working
• Regular social activities
• Pension contributions
• Discretionary bonus scheme
• Private health cover
• Life assurance
• Family friendly policies including enhanced Maternity & Paternity leave

Don’t tick every box?

Don’t worry if you don’t have all the skills or requirements listed on the job description. If you think you’ll be a good fit, we’d still love to hear from you!

Flexible working

We know the ‘9-to-5’ isn’t right for everyone. That’s why Allica Bank is fully committed to flexible and hybrid working. Please let us know what is best for you and, if we can, we will do our best to accommodate.

Diversity

We’re a diverse bunch here at Allica, with all kinds of experiences, backgrounds and lifestyles. Our openness and differences make us stronger, and we want everybody to feel comfortable bringing as much of themselves to work with them as they like.