Job Purpose
The Associate Banking Director, Intermediary Lending role plays a key part in supporting the Bank’s growth strategy. This is achieved through the delivery of compliant and client-focussed advice and lending solutions, primarily within the regulated mortgage market.
Reporting to the Head of Mortgage Intermediary Lending, the role is responsible for creating new client relationships whilst also maintaining and strengthening existing mortgage intermediary partnerships to drive sustainable business growth.
Main responsibilities / key duties:
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Assess clients’ financial needs and provide tailored lending solutions.
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Conduct thorough pre-approval assessments to determine clients’ borrowing eligibility.
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Preparation and completion of mortgage applications and delivery of suitable regulated mortgage advice.
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Ensure compliant management of lending files, maintaining complete and accurate documentation throughout the mortgage process.
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Manage client expectations effectively providing timely updates and clear communication throughout the mortgage process.
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Facilitate an effective handover of clients to intermediary banker once lending has drawn down.
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Keep up to date with industry developments, regulatory changes and best practice to provide informed advice and good outcomes to our clients.
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Undertake business development activities with panel and target mortgage intermediary firms, including attending networking events.
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Support Intermediary Relationship Director with the implementation of the professional partnership strategy (mortgage intermediary element only).
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Create opportunities for the wider baking team by articulating the Bank’s strong credit profile, promoting savings products and delivery bespoke client solutions.
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Efficiently and professionally screen, manage and, where necessary, decline transactions, ensuring decisions are made with integrity and discretion.
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Full compliance with regulatory requirements, risk appetite and Bank policies and guides to make sure we are lending responsibly and providing good outcomes for our clients.
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Maintain accurate and relevant client records in accordance with the Bank’s procedures and data protection regulations, including KYC and anti-money laundering reviews.
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Develop and maintain a sound understanding of the Bank’s operations, commercial environment and factors affecting client base.
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Consistent and accurate use of CRM system including updating meetings, contacts, prospects and business referrals, client complaints and vulnerable clients.
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Work alongside colleagues from across the Bank to provide exceptional client service and meet the Bank’s objectives.
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Undertake or support ad-hoc business projects as required
Training and Competency
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Timely completion of mandatory eLearning and reading, and any other assigned training.
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Completes all required regulated mortgage Training & Competence activities on time including observations.
Required qualifcations, knowledge, & skills:
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CeMAP / MAPC qualified and maintain fitness & proprietary standards to provide clients with regulated
mortgage advice. -
A strong understanding of credit underwriting and loan processing (and preferably experience of both).
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Excellent attention to detail and high levels of accuracy.
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Skilled at developing and maintaining strong professional relationships across all levels, both internally and externally.
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Use of effective questioning and listening skills to establish client needs.
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Strong interpersonal and communication skills (both written and oral)
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Ability to work independently and manage multiple priorities in a fast-paced environment.
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Comfortable challenging colleagues and clients appropriately to ensure best outcomes.
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Ability to present appropriate recommendations in a clear, concise and accurate manner.
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A collaborative team player who contributes positively to team dynamics and morale.
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Takes ownership and accountability and follows through on tasks until completion.
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Identifies and suggests enhancements to policies and procedures to support the Bank’s continuous improvement.
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Brings fresh perspectives while maintaining integrity, discretion and professionalism.
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Consistently represents the Bank with the highest standards of conduct and professionalism.
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Demonstrates initiative and a pro-active approach.
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Identifies and suggests enhancements to policies and procedures to support the Bank’s continuous
improvement.
To apply, please send your CV to [email protected]
