Buy To Let Mortgage Officer

Your role as a Buy to Let Officer is to work with blended portfolios comprising of both performing and non-performing Buy To Let loans.

Your day to day tasks would range from checking that newly originated loans have been loaded on to the system correctly, primary servicing throughout the lifetime of the loans, and where necessary, proactively managing Buy to Let mortgage accounts that are in arrears by ensuring collection and litigation activities are carried out in accordance with regulations.

The role will also entail undertaking redemptions for borrowers, on both single loans and also cross collateralised portfolios.

On a day to day basis you will communicate with customers primarily by receiving incoming and making outgoing calls to understand each borrower's individual circumstances and discuss options to find the best outcome for the customer.

You will analyse customer documentation to ascertain potential solutions for the customer and respond appropriately.

Within your role, you would manage your own portfolio of loans from end of end, some of which are performing and some of which are not.

With the performing loans, your main focus is on customer retention and relationship management. With the non-performing loans, your goal is to either bring the loan back to a performing status, or to establish the most suitable enforcement strategy for both the customer and the client.

Treating customers fairly is at the forefront of all customer contact and regular assessment and monitoring is completed to ensure the customer is treated in line with these principles and that any arrangement plans that are set up are appropriate and affordable.

Accountabilities and main responsibilities

• Ensure the Teams Service Levels are met and be a contributor to that achievement

• Ensure all standards are achieved in line with client expectations of quality, productivity and performance • Contribute to identification of improvement opportunities be influential in the finding continuous improvement possibilities to enhance our service to our customers and clients

• Assist with projects as defined by the Team Leader by meeting agreed deadlines and achieving specific objectives.

• Report any breaches to the Line Manager

Qualifications and skills Essential:

• Excellent communicator at all levels- both verbal and written

• Ability to work as an effective team member - be co-operative, support others and deliver what you promise

• Comfortable working to tight deadlines, be adaptable and flexible within the role

• A desire to learn and take on new systems and concepts quickly as well as critically evaluating where appropriate

• Reasoning and Mathematical skills - in order to calculate affordability and assess circumstances

• Attention to Detail - Recording of information must be accurate, factual and professional Personal attributes:

• Negotiator and Influencer - to be able to encourage open dialogue with the customer to gain trust and understanding of what a good resolution

• Empathetic manner - be able to confidently deal with difficult conversations whilst showing empathy and dealing sensitively, but appropriately

• Comfortable working within an FCA regulated environment working to the applicable rules and regulation.

We offer progression in line with performance, enabling you to grow as the business grows as well. If you have been looking to move in property finance administration or want to work for a truly cohesive and friendly team then we welcome your application.

Our people are our greatest asset and we'd very much welcome the opportunity to speak with you.

Due to the high amount of interest that we receive for each of our roles unfortunately we cannot respond to each application individually, therefore if you do not hear back from one of our consultants you have not been shortlisted for this role.

Please note that our client is an equal opportunities Employer and adheres to all relevant legislation and offer services regardless of age, race, sex, disability or religious belief.