Mortgage and Protection Adviser

4 months ago

Motherwell, United Kingdom Clear Sky Financial Services Ltd Full time

To competently provide mortgage and protection advice to clients, whilst adhering to FCA rules and our Firms policies and procedures. You will be responsible for providing independent advice and making recommendations from the Whole of Market. You will have the opportunity to work remotely from home and will have the flexibility to control your own diary and working hours. Due to our inhouse Commercial Department you will also have the opportunity for relationship building and cross referrals for Commercial Finance products.

EXPECTATIONS:
As a Self Employed Mortgage and Protection Adviser you can expect to:

- Work at a flexible pace that suits you, either at home or in our Motherwell Office
- Provide full advice and recommendations on both Mortgage and Protection Services
- Treat your clients with the highest regards ensuring that they receive the correct and compliant financial advice whilst making sure that they fully understand the products and services that are available to them
- Be able to prepare for future appointments and generate referrals whilst attracting new customers and business
- Be seen as the expert in your client's journey, with a goal to help your clients to achieve their property dreams.

QUALIFYING CRITERIA:
To be a successful Self Employed Mortgage and Protection Adviser we require you to:

- Hold CeMAP or similar industry-recognised qualification
- Be an ambitious, driven and a self-motivated individual
- Have good credit history. You must also be free from any regulatory breaches and not be banned from accessing any mortgage lenders
- Ideally you will have an existing client bank, although this is not essential
- The ability to generate your own business is a must
- Have a minimum of 24 months mortgage advising experience within a brokerage
- Have a consistent track record of achieving your goals within your current role
- Be proactive and self-motivated
- Have a passion for ensuring a fantastic customer experience
- Willingness to learn and adapt to market and developer needs
- Proven use of mortgage-specific software
- You are legally entitled to live and work in the UK in accordance to the Immigration, Asylum and Nationality Act 2006. (Please Note: you will need to provide evidence of your right to work in the UK via proof of address, identity and NI prior to a formal offer of employment)

RESPONSIBILITIES:

- Keeping up to date with mortgage deals, products, technical or legislative changes within the marketplace
- Complying at all times with the compliance and training and competence procedures of our firm
- Complying at all times with the requirements of the Financial Services and Markets Act 2000 and the FCA Principles, Rules and the Conduct Rules
- Identifying and contacting potential clients. Gathering sufficient client information and identifying client needs
- Analysing information gathered and undertaking sufficient research to make suitable mortgage and protection recommendations
- Completing all supporting documentation in an accurate and compliant manner
- Attaining and maintaining competent status as defined by FCA and our firm
- Maintaining performance standards in accordance with those outlined in the Key Performance Indicators section of the Training and Competence procedures

BENEFITS:
In return you will enjoy:

- Highly competitive and generous commission splits
- No sales targets and the ability to work at your own pace
- Remote working: You can be based anywhere in the UK
- Whole of Market Mortgage and Protection panel
- No monthly fees or charges
- Full Administration and Compliance support
- Designated management team working alongside you to offer regular and timely support
- Independence and the opportunity to run your own mortgage advisory business
- FCA Guidance and support under the Clear Sky Permissions
- Ongoing training and CPD opportunities
- More potential for higher earnings due to our commercial finance department, allowing for cross referrals not normally obtained in a Mortgage Brokerage

YOUR NEXT STEP:
If you have a disability or special need that requires accommodation, please let us know and we will be happy to assist to the best of our ability - regardless of how small or large your requirement may be.

This is a fantastic opportunity for advisers who would like the flexibility of being self-employed and who are seeking a position that provides a rewarding work-life balance with uncapped earnings potential.

**Salary**: £100,000.00-£150,000.00 per year

**Benefits**:

- Flexitime
- Work from home

Schedule:

- Flexitime
- Monday to Friday
- Weekend availability

Licence/Certification:

- CeMap or equivalent (required)

Work authorisation:

- United Kingdom (required)

Work Location: Hybrid remote in Motherwell

Reference ID: CSFS/SE01

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