Mortgage Adviser

About the company

At Ocean, we're on a mission to become the UK's leading credit platform for people not served by the mainstream, helping them improve their financial wellbeing over their lifetime. This has been our mission for over 30 years, and it's still the thing that drives us to do better and more for our customers.

We do this by helping our customers make informed decisions and access personal finance products.

If our mission sounds interesting, please keep reading!

About the job

As a Mortgage Adviser, you'll bring your knowledge and passion to work with you, day in, day out. You'll be an expert at what you do and know exactly how to use your skills to ensure our customers get the very best advice.

Your day to day role will be to provide customers with advice on first and second charge mortgages from our panel of lenders. The Adviser is responsible for recommending products that are beneficial and suitable for customers, whilst complying with business standards and regulatory requirements

What you'll be doing for us

A day in the life of this role could look like

• Complete fact finds with customers; gather information on their personal and financial circumstances, as well as what they are looking to achieve with the first or second charge mortgage.
• Assess customer information collated from the fact find call along with information obtained from electronic searches such as; credit bureau and land registry data.
• Once a customer's situation is fully understood, source a product from the panel of lenders to base a recommendation considering; suitability, affordability and lenders eligibility criteria using the systems provided.
• Present your recommendation in a personalised manner explaining how it meets the needs of the customer. In the event that no suitable product can be sourced, explain to the customer the reasons why.
• Manage customer and business expectations by delivering great customer service whilst achieving projected business levels.
• Keep accurate and up to date customer records throughout to provide a clear audit trail of activities undertaken; fact find, rationale and customer communications.
• Manage and maintain customer appointments via a diarised call back system.
• Assist Case Managers in the processing of a submitted application as and when applicable.
• Complete in a timely manner any Continuing Professional Development (CPD) activities allocated to them by supervisors and keep records of completion within their CPD log.
• Ensure all activities undertaken are compliant with; regulatory obligations, company policies/procedures and training and competency scheme.
• Successful completion of the relevant training program and competency scheme, achieving competent adviser status.

Skills-wise, you'll definitely need to have/be:

• Good communication and listening skills
• Customer focused
• Punctual, professional and reliable
• Organised with the ability to multi task
• Ability to work as part of a team as well as under own initiative
• Flexible to work with a variety of shifts/hours
• Previous in providing advice in the regulated mortgage industry
• Driven, ambitious and self-motivated
• Ability to work under pressure
• A minimum of 1 year of financial service experience
• Fully CeMAP Qualified. (level 3 or equivalent)

What we'll do for you

• Pay you competitively and review your salary every year.
• Welcome you into our awesome team (dare we say the best? We do, yes!).
• Provide you with all the kit you need to work from home.
• Help you plan for life after work with our pension scheme.
• Take care of your health with eye test vouchers, and our employee assistance programme.
• Flexible benefits including Ocean Health plan and / or Perkbox.
• Give you 25 days holiday (to start with), as well as local public holidays and a day off on your birthday.
• Support you with training, mentoring and anything else you need to further your development and hit your career goals
• Help you help others with optional "community" days for volunteering.