Completions Officer

About Chetwood Financial Bank:
We are a digital, forward thinking fintech Bank using the best technology to help make our customers financially better off. We focus on creating distinctive and disruptive financial products for underserved segments of the market. We are experts within the intermediary market specialising in Loans and Savings as well as buy to let mortgages. Our tech platform is designed to make buy to let mortgages smarter, faster and simpler for brokers and landlords. We have secured strategic investment from Elliott Advisors of over GBP150mil of capital, underpinning the planned growth of the business over the next few years.
What you'll be doing?
Our Technical Underwriting Team Manager will lead the delivery of high-quality mortgage processing and underwriting. They will specialise in the technical delivery of complex BTL, Portfolio & Residential mortgage applications. They will encourage interactions over live chat, email, and telephone to be as efficient as possible, ensuring that brokers and customers are supported at all stages of their journey. The Technical Underwriting team Manager will form a pivotal role in communication across a number of operational functions including Underwriting Team support, broker, conveyancing and customer interaction, and complaint handling. Solid exposure to leading a team within an origination mortgage environment will add value to an application, with a hands-on approach to delivering an exceptional level of service.
Role Purpose
The completion process is the last step in the journey to become a customer. You will be responsible for ensuring all mortgage offer conditions are satisfied and financial threats through, security risk, financial crime or error are managed so that customers complete loans when they need to and that these comply with their offer of advance
The Completions officer will liaise and provide guidance to brokers, valuers and solicitors on lending policy and internal processes.
Responsibilities
Liaise with Underwriters and Case Managers on any completion queries i.e., COT received, completion calls, updates to all parties
Communicate with Intermediaries, valuers or Solicitor enquiries by email or telephone, liaising with the Team & Underwriters as appropriate.
Reviewing legal correspondence from solicitors, providing responses where possible and referring queries to the underwriter or valuer if appropriate
Pursue outstanding documents ensuring offer conditions are satisfied before authorising the release of funds.
Initiate pipeline management - advising conveyancers/underwriters when an application nears the end of its offer eligibility or valuation period or when a valuation nears expiry.
Capability of meeting service level agreements and maintaining excellent customer service
Authenticate the Certificate of Title to ensure details provided by the panel of solicitors are accurate and adequate to proceed to completion.
Utilising the Solicitors Query Guide, Lenders Handbook and other resources where necessary before making a well-judged decision.
Showing confidence in your decision-making when either rejecting/accepting a COT and calling the Solicitors before rejecting the COT.
Dealing with various other ad hoc duties that help to assist the Team to ensure a smooth day-to-day running.
Processing of Certificates of Titles (COTs) to ensure compliance with all mortgage offer conditions prior to sign-off by a senior team member.
Skills and experience
12 months experience as a Completions Officer within a fast-moving buy-to-let lender is essential.
Sound knowledge of mortgages and lending
IT literate, including G Suite
Ability to prioritise tasks and manage time effectively, working on own initiative and as part of a team in order to meet SLA's and deadlines
Good verbal and written communication skills; able to remain calm under pressure
Attention to detail
Flexible approach and attitude
Confident in dealing with brokers and solicitors and third-party stakeholders
Chetwood Benefits:
Competitive salary
25 days holiday PLUS your BIRTHDAY off
Pension contribution with Royal London
Life Assurance
Private medical, dental and optical health insurance with Axa
Hybrid working - Wrexham or Central London
Free breakfast available
Data Protection
We anticipate that we will retain your data as part of the recruitment process for no longer than is necessary for the purpose for which it was collected unless we have sought your consent to keep your data for future suitable job vacancies. Chetwood Financial Ltd does not accept speculative or unsolicited CVs from Recruitment Agencies.
Any unsolicited CVs received will be treated as the property of Chetwood Financial and Terms & Conditions associated with the use of such CVs will be considered null and void.