Mortgage Securities Officer

7 months ago


Wolverhampton, United Kingdom OSB Group Full time

About the team:
The Securities team within Mortgage Servicing process all securities related tasks for the lending brands within OSB Group.

About Us:
OSB Group is a leading specialist mortgage lender, primarily focused on carefully selected segments of the mortgage market. Our specialist lending is supported by our Kent Reliance and Charter Savings Bank retail savings franchises. Diversification of funding is provided by sophisticated securitisation platforms. OSB’s unique cost-efficient operating model is supported by our wholly-owned subsidiary OSBIndia.

What you will be doing:
In this role, you will have the opportunity to deliver exceptional customer service, getting it right first time and keeping the customer journey at the heart of every task. You will facilitate and progress post contract mortgage variations in line with the group operating procedures, mandates and lending policy and be responsible for processing all securities related post tasks, ensuring the customer journey is at the heart of all you do. In this varied and interesting role, you will gain exposure to a range of mortgage related activities within a supportive environment.

Your responsibilities will include
- Approving Securities requests in line with the Servicing and Collections Mandate. This will be based on sound judgement and evidence of understanding of core Servicing policy and decisions. Ensuring that all requests have robust audit trails and customer and internal teams are aware of status and progress of requests.
- Communicating by telephone and in writing with customers, solicitors, or any third parties in an effective manner, handling objections and responding to complaints where necessary.
- Identifying any potential fraudulent activity or breaches to contract and escalate any concerns to the appropriate person immediately.
- Assessing allocated workload within assigned mandate level and within agreed service levels and lending policy. Request further information where required and verify this upon receipt in order to make the final decision.
- Interpreting customer issues and analysing existing policies and procedures to determine a suitable resolution, ensuring the banks risk position is protected at all times.
- Protecting the Bank from risk exposure by ensuring all charges are registered correctly at the Land Registry, ensuring continual oversight and high attention to detail.

In return for your commitment:
We offer a base salary dependent on experience of between £24,000-£26,000 and a competitive benefits package including:

- Discretionary annual bonus opportunity of up to 12.5%
- 28 days annual leave plus bank holidays
- Contributory pension (8% employer 5% employee)
- Life Assurance (4x salary) plus Group Income Protection
- Access to Private Medical Insurance and Medical Cash Plan
- Maternity & Adoption Leave - Occupational Maternity/Adoption Pay provided at 100% of salary for the first 13 weeks and at 50% of salary for the next 13 week period.
- Paternity Leave - 4 weeks of paid leave to be taken within 8 weeks of childbirth.
- Additional benefits such as Hybrid working, Cycle Purchase scheme, Technology Purchase scheme, Season Ticket Loan, Holiday purchase / sell schemes, Employee Perk Portals, Payroll giving and Save as you Earn scheme.

Could you be the one?:
We are looking for talented individuals who have the experience and knowledge set out below:

- Previous experience of working within a mortgage securities environment would be an advantage.
- Strong attention to detail is essential.
- Verbal and written communication skills are essential.

We also believe that your career and how you progress is as unique as your individual personality. We continually support our people so they can become the best version of themselves.

What to do next:
Alternatively, if you wish to have an informal and confidential chat please get in touch. Contact details can be found on our careers page.
- OSB Group are dedicated to diversity in the workplace and committed to treating all our employees and job applicants equally. We embrace equal opportunities and are opposed to discrimination on any grounds._
- As part of our public commitment to the Women in Finance Charter, we have introduced our own initiatives to attract, develop and advance senior women in our sector. We don’t stop there though, we have broadened our approach to encourage diversity and inclusion at all levels and in all roles. Our leadership and Executive Committee are right behind us, to the extent that our Diversity Champions sit at Board level and on a monthly basis receive updates on our progress._
- Whilst we are an organisation that values face-to-face interaction to build and nourish our culture, we also acknowledge that people are not just productive in an office and tied to the 9 to 5. Flexible-working opportunities are important for establishing a healthy work-life balance so if you see a role of interest we are happy to be asked ab


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