Underwriting mortgage applications to ensure all risks are identified and controlled in line with the obligations as a responsible lender and the lending risk pillars of;
mortgage loan to value,
mortgage loan to income and affordability at a stressed rate.
The role involves:
Reviewing initial mortgage applications to issue first Decision in Principle that comply with Society’s Lending Policy and advising on required documentation to progress the mortgage case.
Execution of mandate at formal offer stage, clearly stipulating the rationale for the decision in line with the individual delegated authority and ensuring full justification and documentation of decisions made.
To effectively communicate lending decisions on a timely basis to internal stakeholders.
Identify and implement improvements within the department and adhere to service standards and the Quality assurance framework.
Ensuring the Society protects itself from unnecessary risks and maintains a strong control environment for credit, conduct and fraud.
Knowledge, Skills & Experience Required:
5 GCSE’s grade C or above (or equivalent) including Maths and English;
Relevant experience in mortgage underwriting or similar disciplines.
Ideally would have previously held a lending mandate.
Understanding of the mortgage industry and products
Understanding of the external regulatory environment under FCA Conduct of business rules
IT Literacy in all Microsoft packages
6 Months minimum experience within an underwriting role.
Delivering telephony as our first point of contact promoting an excellent customer journey and administrative support in relation to mortgage application journey and management information. You will also assist in the delivery of the wider Customer Support services through the Savings and Mortgage Administration areas.
Daily contact with Branches and other Departments to ensure the most effective and efficient customer service.
To support the society in its customer experience for on line including customer queries and processing card payments.
To be fully competent in issuing of redemption statements and completing third party mortgage questionnaires primarily in relation to the DWP.
Retrieve supporting records uploaded to our interface area and paper documents received directly at our premises. Record these records in our standard format and upload to our document image system.
To be fully competent in service processes. Demonstrate a good knowledge in the remaining customer support processes to offer support to your colleagues ensuring a high customer service is achieved adhering to key performance indicators and service standards.
To be the first point of contact for our members by answering general queries received from customers in relation to Mortgage and Savings, taking card payments and ensuring a high customer service is delivered. Where a more in depth response is required in line with our departmental brand ensure the customer is transferred to the correct team in only one hand over.
Action incoming and outgoing post, updates to tasks and provide and follow up updates for process within the Customer Support team via email, letter and SMS as required.
At least 6 months previous experience of working in an administrative role.
Knowledge and compliance with laid down policies
Computer literate with good numeracy skills
Good verbal/written communication
To be able to prioritise and meet deadlines
High standard of accuracy & attention to detail
Up to £60k
Darlington Building Society is on the hunt for a Financial Controller to develop and manage the finance function within a very busy finance team.
This is a key appointment within the Society reporting into the Finance Director, and has people management responsibility. You will oversee the day to day running of the finance team and act as a point of contact for finance related queries and advice.
This is not a Senior Management Regime prescribed role. The role does, however, fall under the certification regime.
Main duties will include:
Preparation of Financial Information
Ensuring timely and accurate completion of regulatory returns as well as keeping pace with and maintaining knowledge of the fast changing regulatory requirements
Ensuring timely and accurate completion of internal management information for The Asset and Liability Committee (ALCO) the Executive Committee and the Board.
Oversight and lead of process to produce the annual accounts including the management of the audit process
Preparation of ad-hoc financial data, information and analysis as required
To have a significant involvement in the asset management of the Society including treasury & liquidity investment and funding requirements and strategy.
To act as a settler or dealer within the treasury function as required.
Strategy and Management
To have an active role in the Society’s Senior Leadership Team and its role in strategy and direction for the Society
To undertake roles in the preparation of key strategic documents including the Society’s capital assessment (ICAAP), liquidity assessment (ILAAP), 5 year business plan and other strategic risk documents
Play an integral role in risk management of the Building Society to ensure the Society complies with all regulatory requirements
Budgeting and Modelling
Prepare accurate and timely budgets & forecasts, P+L, balance sheet providing commentary and analysis including the Society’s annual 5 year budget
To manage the Finance department administrative costs budgets
To oversee the production of quarterly administrative expenses budgets and ensure adequate cost control is applied
Financial modelling, business planning and relevant analysis, particularly in respect of capital assessment
Will report into and work closely with the FD. Monthly one to one meetings will be used to supervise and monitor work flows as well as prioritise and manage work.
Work with the Finance Manager and Financial Reporting Officer to achieve the goals of the Finance department as well as the Finance administrator team.
Will have overall day to day management responsibility for the supervision and appraisal of staff within the Finance department.
Work with other departments within the Society both directly and as part of project groups and committees such as the Senior Management Forum (SMF).
Prepare papers on complex areas and presentation of these to internal committees including the Board.
To be a member of the SMF, Pricing committee and Product Governance Committee as well as attending the Asset and Liabilities committee
Liaise with external stakeholders to provide all required information and manage relationship.
Continual Development of Finance Department and Society
Ensuring processes, work flows and systems within the department are challenged and developed to ensure the efficiency of processes are maximised and the quality of data produced is continually improved.
To take ownership of key projects to deliver departmental projects
Develop systems and procedures
You will be self-motivated, adaptable, logical, and able to delegate effectively, with a hands-on approach, be a qualified accountant (ACA, ACCA, CIMA or equivalent) and have the following attributes;
Self-driven and highly motivated individual
Excellent organisational and time management skills
Ability to produce and develop MI reporting
Experience of the Financial Services sector and understanding regulatory requirements
The role will be to act as the first point of contact and provide an excellent customer service offering a choice of savings, mortgages and associated products. To be able to confidently and accurately handle and process monetary transactions using the computer systems on a daily basis.
Sell savings, mortgage, insurance and associated products and services to new and existing customers.
Accurately handle and process counter transactions using the various computer systems.
Answer general enquiries from customers in person, by post, email or telephone following Customer Service Standards.
To produce, issue and follow up general insurance quotations.
Carry out general administration tasks to assist in the efficient running of the Branch.
Contribute effectively during staff meetings and performance reviews to enable high standards of performance to be achieved.
ATM Housekeeping (where applicable)
Community Branch administration (where applicable).
Identification of improvements and changes to improve the customer experience including systems and controls.
To act as a Brand Ambassador for ensuring that fruitful relationships are maintained and developed in the community.
Part Time Role: 18.25 hours
Due to continued growth, our financial services client is recruiting for a Training & Competence Supervisor.
The training & competence framework exists as part of a wider approach to ensure that all employees develop, demonstrate and maintain professional competence relevant to their role.
Supervision activities for individuals in regulated roles are deployed in the context of individual’s progress on their ‘Route to Competence’.
The T&C supervisor will be responsible for increasing/decreasing/maintaining required levels of supervision through the route to competence and into business as usual practice and there are 2 equal purposes to this role:
To support the performance and development of individuals subject to supervision requirements in becoming and remaining competent as practitioners in their relevant field, through observations, feedback and performance coaching.
Provide regular monitor data and reporting MI that clearly demonstrates the competence of practitioners, inclusive of performance levels, regulatory compliance and context.
To be considered for this role you must:-
Have experience of conducting effective supervision; with prime focus on observation & feedback, coaching, development planning, monitoring and reporting of competence in the context of various T&C requirements.
Be able to differentiate between knowledge, skills and behaviours in relation to what is influencing an individual’s competence and performance.
Be able to practically apply learning and development approaches to an individual and teams/groups focused on supporting competence/performance.
Hold or be willing to complete an appropriate supervisory qualification (CeSre or equivalent e.g.).
Due to the high volume of candidates responding to our adverts we are not always able to provide feedback on your application. If you don't hear from us within the next five days, please assume you have been unsuccessful on this occasion. However, your details will be kept on file and you may be contacted about other opportunities.
You will lead a team in the delivery of upgrades, testing, enhancements and system improvements of core software systems to support improving efficiency and customer journeys.
To be responsible for 2 Application Support Staff and effectively ensure that all key objectives are delivered in the Application Support Team on a daily basis.
1st point of contact for core application system help desk to provide end user support including system reporting (MSS, Activate, Frontline, DSX and Capita)
Responsible for the production and administration of a set of documents in the Activate system for letter production (excluding SQL/Logic text which is provided by the data team)
Responsible for delivering, producing and interpretation of Management Information for own team performance in support of managing, administering and controlling the Society’s business and internal risks functions.
Provide technical advice to management, colleagues and customers on the Society’s core operating systems to ensure an excellent service is delivered and the core operating systems remain relevant and up to date with industry standards including the creation of roles and responsibilities.
Motivates and leads direct reports to ensure strict adherence to key performance indicators and service level agreements
5 GCSE passes C+ (or equivalent) including Maths and English
Experience in leading a team
Experience in core application system uses in own industry
Interpreting regulatory and industry requirements identifying best practices
Looks for opportunities to improve
Brings new ideas forward
As a Mortgage Administrator you will be providing an excellent customer service experience to customers. The succesfull candidate will be able to confidently and accurately handle and process mortgage enquiries using computer systems on a daily basis. Along side this you will; assist mortgage advisors with the research and production of new/existing mortgage and protection business, processing, in full, all mortgage business from application stage to completion. Servicing of existing/new customers, and additional support where required to assist mortgage advisors with their day to day activities.
Key Skills & Knowledge
PC skills including MS Excel and Word and email/office outlook
Excellent telephone and writing skills
Ability to work under pressure and to strict deadlines
Accurate and timely data entry skills
Good team player
Excellent time management and organisational skills
GCSE Maths and English A-C
Experience within financial services or another regulated industry would be desired
Operational hours 9am until 8pm Monday to Friday. Saturday 9am until 2pm.