Job Description
Role Purpose
The purpose of the role is to provide effective technical support to the process and actively resolve client issues directly or through timely escalation to meet process SLAs.
͏
• Taking ownership a006Ed being accountable of mortgage applications, from initial submission through to o!er,
delivering a seamless service to brokers and partners
• Reviewing and screening residential owner occupied and buy to let (in both individual names and trading
companies names) mortgage applications to understand the customer and application type, ensuring the correct
packaging requirements are set
• Applying a future thinking, holistic approach by anticipating the need of the underwriter, this will be done through:
o Understanding and assessing the risk of the application
o Using and interpreting lending policy to ensure the case meets the packaging guidelines
• Being responsible for the quality of data, identify and correct inaccuracies, including customer personal data,
property portfolio and income and commitments, including the validation of documentation
• Working to agreed deadlines, meeting and exceeding set SLAs at each touchpoint
• Managing all mortgage documents and supporting information, by assessing and validate documents, ensuring
they meet the relevant policy and regulatory guidelines.
• Ensuring the case is managed through the relevant systems, ensuring one customer and application record that
is reflective of the information required to manage risk and deliver for our customers, including using relevant third
party websites and systems, e.g. Companies House
͏
Having the ability to review and asses key documents and mortgage information, such as:
o Income evidence; payslips, P60’s, SA302’s, financial accounts and business plans etc
o Proof of ID, proof of address
o Buy to let portfolio’s etc
o Credit reference reports, EPC reports, Companies House searches
• Undertaking required Customer due-diligence through:
o Document assessment and validation; proof of ID, proof of address
o Ensure accuracy of data from a customer identity perspective
o Ensure CDD policies are adhered to
• Protecting the customer and the Bank by having a strong knowledge of anti-money laundering policies and fraud
prevention processes. Identification of potential external fraud, and scheme misuse to protect the bank against
possible bad debts, referring to the relevant team
• Adhering to required data management standards by applying the correct updates and notes in a clear and
concise way
• Maintaining strong technical system knowledge of mortgage origination systems and the wider supporting
systems (quest, lender hub, kama etc.)
• Delivering against service KPIs, ensuring e!iciency and e!ectiveness targets are met
͏
͏
Deliver
| No | Performance Parameter | Measure |
| 1 | Process | No. of cases resolved per day, compliance to process and quality standards, meeting process level SLAs, Pulse score, Customer feedback |
| 2 | Self- Management | Productivity, efficiency, absenteeism, Training Hours, No of technical training completed |
Experience: 3-5 Years .
Reinvent your world. We are building a modern Wipro. We are an end-to-end digital transformation partner with the boldest ambitions. To realize them, we need people inspired by reinvention. Of yourself, your career, and your skills. We want to see the constant evolution of our business and our industry. It has always been in our DNA - as the world around us changes, so do we. Join a business powered by purpose and a place that empowers you to design your own reinvention.