Loan Officer

1 month ago

Watford, Hertfordshire, United Kingdom Stellar Select Limited Full time
About the Role

The Loan Officer will be responsible for taking new enquiries from various sources to identify requirements and place them with the correct lender. This will involve underwriting new applications and packaging them with care, skill, and diligence to present a perfectly packaged case to a lending partner. The successful candidate will consistently process pipeline business, ensuring an efficient and satisfactory outcome for the borrower.

Key ResponsibilitiesNew Enquiries
  • Ensure all details are fully completed on the CRM immediately once a new enquiry is received.
  • Carry out fact-finding exercises with direct customers where the loan is for a regulated mortgage contract, and we will be providing advice if qualified.
  • Complete sourcing for all new enquiries.
  • Initial enquiries follow up with a call to broker/client.
  • Check over terms completed by admin and send out with necessary compliance documentation to client/broker, Where the loan is regulated, a recommendation calls to be carried out.
System
  • Keeping notes up to date on all cases.
  • Ensure that folders are kept tidy, both on paper and on the system.
  • Introducer due diligence.
  • Advising compliance of any new brokers so they can request documents.
Documentation
  • Review AIPs and Offers received - checking all financial details and requirements.
  • Reviewing documents received and application packs.
  • Reviewing valuations when received and submitted to the lender.
Updates
  • Check case and completion updates for correct content and send to the client/broker.
  • Manage updates from all parties and inform those who require them.
Other
  • Keeping lender criteria spreadsheet/lender product guides/forms up to date in files.
  • Ensuring introducers relationships are maintained and establishing new relationships.
  • Maintaining a high level of service for all introducers & their clients.
  • Offering the best advice to all clients for their borrowing needs.
  • Maintaining compliant files.
  • Answering calls and taking new enquiries from brokers adhering to the Company's SLAs.
  • Reviewing new applications and forming a fully packaged file through liaising with both introducers and clients.
  • Processing pipeline business.
  • Maintaining back-office system and ensuring this is used correctly in line with Company processes.
  • Liaising with solicitors, lenders, and brokers on completions.
  • To ensure CPD is maintained to an appropriate level.
Requirements
  • Upbeat telephone manner.
  • Understanding the source of an introduction and when certain types of business (i.e. direct regulated clients) should be passed to appropriate members of staff.
  • Understanding which regulation applies to which type of application and ensuring the advising broker has the necessary permissions to introduce a business of this type.
  • Lender and product knowledge.
  • General office skill set.
  • Ability to manage own diary, manage deadlines and meet targets set.
  • GCSE Maths and English essential.
  • CeMAP is required for handling regulated mortgage contracts; but is not essential if focus on unregulated products and you have 2 years minimum industry experience.
  • Experience gained in a similar position.
  • Experience in 2nd charge mortgages is essential.

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