Mortgage Adviser

1 week ago

Watford, United Kingdom Enra Specialist Finance Ltd Full time

Enra Specialist Finance comprises two separate but complementary trading divisions: Aria Finance and West One Loans.

Aria Finance are Experts in specialist Finance. We help intermediaries across the UK source the most competitive forms of finance for their clients through our panel of lenders. We are specialists in Second Charge, Bridging, Commercial and Complex Buy-to-let mortgages and loans.

As a Mortgage Adviser, your main responsibility will be to provide solutions to EFL customers by making suitable recommendations. Responsible for every aspect of advising customers on their needs and circumstances whilst attaining the highest standards of regulatory compliance and customer satisfaction.

Key Accountabilities
- **New Enquiries**
- Ensure all details are fully completed on CRM immediately once new enquiry received
- Carry out fact find 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 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 paper and on the system

**Introducer due diligence**
- Advising compliance of any new brokers so they can request documents

**Documentation**
- Review AIP’s and Offers received - checking all financial details and requirements
- Reviewing valuations when received and submit to lender.

**Updates**
- Check case and completion updates for correct content and send to 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 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 SLA's

Skills & Competencies
- Good communication skills essential for dealing with brokers, borrowers and lenders
- Team player
- Self-motivated

Knowledge & Qualifications
- CeMAP required for handling regulated mortgage contracts; but not essential if focus on unregulated products and you have 2 years minimum industry experience

Personal Attributes
- Resilient and flexible
- Approachable and self
- motivated
- High level of communication - written and verbal

In return Enra offers,
- A generous basic salary + commission scheme
- Company pension
- Private medical healthcare (Vitality)
- Annual leave purchase scheme
- Extra leave on your birthday
- Subsidised dental scheme
- Contribution towards eyecare
- Interest free season ticket loan
- Multiple social events/team bonding throughout the year

**Job Types**: Full-time, Permanent

Schedule:

- Monday to Friday

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