Mortgage Services Arrears Consultant

6 months ago

Fleet, United Kingdom Fleet Mortgages Full time

**Job Title**:Mortgage Services Arrears Consultant

**Location**: Fleet, Hampshire - with hybrid working

**Salary**:£30,000 - £35,000

**About Fleet Mortgages**

Fleet Mortgages is a major player in the specialist Buy to Let Mortgage market. We have recently gone through a period of growth and currently have an opportunity for a Mortgage Services Arrears Consultant to join our team in Fleet. This role is to service our loans from the day of completion all the way to redemption, with a specialism in handling arrears cases.

**What we can offer you**

We offer a competitive package of benefits including the flexibility to work from home 2 days per week post-probation, 25 days annual holiday plus bank holidays, an additional day off on your Birthday, 11% non-contributory pension and a discretionary annual bonus. Furthermore, you would be entitled to free private health insurance, life assurance, income protection and enhanced parental leave packages. There would also be the opportunity to gain formally recognised industry qualifications within a team oriented and friendly business, for example CeMAP.

**The role**

This is an exciting opportunity for an experienced mortgage arrears professional to join our successful and expanding company, working in a high performing, friendly and collaborative team.

Do you take pride in delivering a professional, efficient, and courteous service? Are you a resilient individual, who is confident having challenging conversations and who receives satisfaction from achieving good outcomes? If so, this could be the job for you.

This is a varied role, dealing with all aspects of mortgage arrears, from payment collection, arrears management and forbearance through to managing default cases, litigation, instructing LPA Receivers of Rent and property disposal. You will also be responsible for breach of mortgage terms cases, pro-actively contacting customers and managing these cases through to resolution.

This position will involve communicating with customers and third parties both by telephone and in writing. You will handle all processes with accuracy and within agreed timescales in a compliant manner and in line with regulatory guidelines.

**Key Outputs & Responsibilities**
- Pro-actively contact customers to professionally and effectively maximise the collection of late payments and recovery of arrears, to bring accounts up to date.
- Identify and assess customers who are in difficult financial circumstances, provide support and review options for resolution of arrears, signposting where appropriate to help customers manage their loans.
- Support vulnerable customers with an empathic approach to their sensitive and unique situations. Refer / escalate such cases as necessary.
- Agree and monitor arrangements to repay arrears.
- Monitor and manage manual payments.
- Take card payments over the telephone.
- Send Letters Before Action.
- Instruct Field Agent visits.
- Provide recommendations on longer-term recovery strategies to line manager.
- Administration of cases in default.
- Prepare case referrals for consideration for instruction of LPA Receivers of Rent or Litigation.
- Manage properties in Receivership via liaison with the appointed LPA Receivers of Rent.
- Monitor the delivery of the litigation process via liaison with the appointed solicitors.
- Ensure relevant documentation and information received is checked for adherence to policy and criteria.
- Deal with queries and enquiries effectively, accurately, and professionally, delivering excellent customer service.
- Adhere to internal/external compliance, credit review and audit requirements.
- Use initiative to resolve queries outside own area of expertise.
- Train and mentor new team members.
- Provide flexible administrative support to the Mortgage Services team as required by line management.
- Be a team player within both the Collections Team and the wider Mortgage Services Team and support the company in our objectives.

**Qualifications & Experience**
- Proven collections experience, ideally in mortgages.
- Previous experience of working within a customer service mortgage environment including outbound calling to customers.
- Excellent communication skills, both written and verbal.
- Good listening and questioning skills to effectively gain a thorough understanding of the customer’s circumstances and what is required.
- An assertive, but tactful and empathetic approach with customers whilst always considering their circumstances and any vulnerabilities.
- Strong negotiation skills and the ability to explain financial matters clearly.
- Self-motivated and driven to achieve results.
- Resilience when having challenging conversations.

  • Mortgage Services and Arrears Consultant

    6 months ago

    Fleet, United Kingdom Personnel Selection Full time

    We are a major specialist in the Buy to Let Mortgage market and due to our continued success, we are now seeking Mortgage Services Arrears Consultants to join our team in Fleet. This role is to provide full customer service for our loans customers from the day of completion all the way to redemption, with a specialism in handling arrears cases. We offer a...

  • Arrears Advisor

    6 months ago

    Fleet, United Kingdom CHL Mortgages Full time

    **Description**: The Arrears Advisor will be working within a busy mortgage arrears servicing team dealing with both buy to let and residential mortgages. The Arrears Advisor requires a confident individual capable of supporting our customers and able to follow procedures and protocols to ensure good customer outcomes. Previous experience working in an...

  • Arrears and Litigation Mortgage Administrator – CHL Mortgages

    4 weeks ago

    Fleet, Hampshire, United Kingdom CHL Mortgages Full time

    About the JobThis exciting opportunity as an Arrears and Litigation Mortgage Administrator at CHL Mortgages offers the chance to join a leading mortgage servicing provider on a fixed-term contract basis. As a key member of our team, you will be responsible for managing and dealing with all aspects of processes relating to existing residential and buy-to-let...

  • Mortgage Customer Services Consultant

    6 months ago

    Fleet, United Kingdom Personnel Selection Full time

    The opportunity is based at our modern refurbished Fleet Head Office and you would be working the hours of 9am - 5pm, offering excellent benefits and an attractive salary of up to £35k. You will receive 25 days’ holiday, non-contributory pension, discretionary annual bonus up to 15% of salary, private healthcare, life assurance and income protection. We...

  • Arrears Management Specialist

    6 days ago

    Fleet, Hampshire, United Kingdom CHL Mortgages Full time

    Role OverviewWe are seeking an experienced Arrears Management Specialist to join our team at CHL Mortgages. As a key member of the operations department, you will be responsible for managing and dealing with all aspects of processes relating to existing residential and buy-to-let mortgages which are progressing towards and already in litigation.The...

  • Loan Administrator – Arrears and Litigation – 8 Month FTC

    2 months ago

    Fleet, United Kingdom CHL Mortgages Full time

    DescriptionWe are looking for an Loan Administrator – Arrears and Litigation on an 8 month fixed term contract. The Loan Administrator – Arrears and Litigation will effectively manage and deal with all aspects of processes relating to existing residential and buy to let mortgages which are progressing towards and already in litigation, unless the breach...

  • Collections Advisor

    6 months ago

    Fleet, United Kingdom CHL Mortgages Full time

    **Description**: The Collections Advisor will be working within a busy mortgage arrears servicing team dealing with both buy to let and residential mortgages. The Collections Advisor requires a confident individual capable of supporting our customers and able to follow procedures and protocols to ensure good customer outcomes. Previous experience working in...

  • Mortgage Servicing Specialist – Arrears and Litigation Support – Fixed Term Contract

    4 weeks ago

    Fleet, Hampshire, United Kingdom CHL Mortgages Full time

    About the RoleAs a Mortgage Servicing Specialist, you will play a crucial role in our mortgage servicing team, working on a fixed-term contract basis. Your primary responsibility will be to effectively manage and deal with all aspects of processes relating to existing residential and buy-to-let mortgages progressing towards or already in litigation.You will...

  • Mortgage Customer Services

    7 months ago

    Fleet, United Kingdom Personnel Selection Full time

    The opportunity is based in Fleet and you would be working the hours of 9am - 5pm, offering excellent benefits and an attractive salary of up to £35k. You will receive 25 days’ holiday, non-contributory pension, discretionary annual bonus up to 15% of salary, private healthcare, life assurance and income protection. We can offer a hybrid working scheme...

  • Mortgage Servicing Specialist

    4 weeks ago

    Fleet, Hampshire, United Kingdom CHL Mortgages Full time

    About the RoleWe are seeking a highly organized and detail-oriented Loan Administrator to join our team at CHL Mortgages. As a key member of our operations team, you will be responsible for managing and dealing with various aspects of loan processes, ensuring timely resolutions for our clients.The ideal candidate will have a background in mortgage servicing,...

  • Collections Officer

    7 months ago

    Fleet, United Kingdom OSB Group Full time

    About the team: We are looking for a Collections Officer, with a background in Asset Finance to be part of our small, close-knit team at InterBay Asset Finance. You will play a crucial role in effectively managing and taking responsibility for the timely collection of asset finance arrears by maintaining a pro-active collections strategy to support IBAF’s...

  • Mortgage Underwriter

    7 months ago

    Fleet, United Kingdom Fleet Mortgages Full time

    **Job Title**:Mortgage Underwriter **Location**:Fleet **Salary**: £30,000 - £35,000 **About Fleet Mortgages** Fleet Mortgages is a major player in the specialist Buy to Let Mortgage market. We are growing our business and have an opportunity for an Underwriter to join our team in Fleet. We take pride in our open, inclusive and collaborative culture...

  • Residential Mortgage Advisor

    5 days ago

    Fleet, Hampshire, United Kingdom CHL Mortgages Full time

    About the RoleCHL Mortgages is seeking an experienced Residential Mortgage Advisor - Litigation to join our team. The successful candidate will have a mortgage servicing background and excellent attention to detail, with the ability to work effectively in a process-driven environment.You will be responsible for managing and dealing with all aspects of...

  • Residential Mortgage Manager

    4 weeks ago

    Fleet, Hampshire, United Kingdom CHL Mortgages Full time

    About UsCHL Mortgages is a leading provider of mortgage servicing solutions. We are committed to delivering exceptional service to our clients and providing a positive working environment for our staff.We are seeking a highly motivated and organized Loan Administrator to join our team. The successful candidate will have a background in mortgage servicing,...

  • Credit Assurance Consultant

    5 days ago

    Fleet, Hampshire, United Kingdom Fleet Mortgages Full time

    Credit Assurance ConsultantFleet Mortgages, a leading provider of specialist Buy to Let Mortgage solutions, is seeking an experienced Credit Assurance Consultant to join our team.About Us:We pride ourselves on delivering excellent results and providing exceptional customer service. Our team is passionate about ensuring the highest level of customer...

  • Mortgage Fraud Prevention Expert

    6 days ago

    Fleet, Hampshire, United Kingdom Fleet Mortgages Full time

    Mortgage Fraud Prevention ExpertFleet Mortgages is a major player in the specialist Buy to Let Mortgage market, and we are looking for an experienced Mortgage Fraud Prevention Expert to join our team.About Us:We pride ourselves on offering a competitive package of benefits, including flexible working, 25 days annual holiday, and opportunities for career...

  • Loan Administrator

    7 months ago

    Fleet, United Kingdom CHL Mortgages Full time

    **Description**: The Loan Administrator will report into the Maturing Loans Team Leader within the Operations team, you will be responsible for processing accounts from 3 years before the maturity date right through to redemption. This will include accounts that have passed maturity and require full redemption. You will be responsible for working the...

  • Mortgage Underwriter

    7 months ago

    Fleet, United Kingdom The Coast Partnership Full time

    My client a very well established Lender is looking to appoint an experienced Mortgage Underwriter to join the growing team. **The Role** - Be vigilant when working on cases and refer where necessary to the appropriate person. - Maintain a high level of communication at all times with interested parties including brokers, applicants, surveyors and...

  • Mortgage Risk Expert

    4 weeks ago

    Fleet, Hampshire, United Kingdom Personnel Selection Full time

    About Us\Personnel Selection is a leading organization in the industry, dedicated to providing exceptional services and solutions.\Salary\The estimated salary for this position is $80,000 - $120,000 per annum, depending on experience.\About the Role\A Credit Assurance Specialist is sought to protect our company from fraud and provide support to the Credit...

  • Customer Service Administrator

    6 months ago

    Fleet, United Kingdom CHL Mortgages Full time

    **Description**: The Customer Service Operative will be working within a busy mortgage servicing team to service the needs of customers over a mortgage portfolio loan book of both residential and buy to let mortgages. The Customer Service Operative will manage and deal with all aspects of post completion activities and processes relating to existing...