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Mortgage Adviser - EFL

As a Second Charge Mortgage Adviser, your main responsibility will be to provide solutions to EFL customers by making suitable recommendations. Responsible for every aspect of advising customers on their needs and circumstances in respect of a second charge loan, a consumer buy to let or a business buy to let. Attaining the highest standards of regulatory compliance and customer satisfaction.

Job Description

Key Accountabilities

  • Using effective questioning skills to establish customer needs, recommend lenders mortgage products and service to customers for whom they are suitable as part of a full advice and recommendation service delivered over the telephone.
  • Ensure that all advice is given on the basis of a full and detailed fact find which complies with both the company's and our regulator's requirements. Maintain accurate and relevant customer records.
  • Demonstrate a thorough understanding of TCF and what this means to your role and how you are able to do achieve this.
  • Keep up to date on lender criteria, knowledge of seconds, CBTL’s, BTL’s and regulation.
  • Present appropriate recommendations in a clear, concise and accurate manner, both verbally and in writing.
  • Adhere to all regulatory requirements
  • Adhere to DPA requirements

Skills & Competencies

  • Pass internal competency tests post induction
  • Team player
  • Good communication skills essential for dealing with brokers, borrowers and lenders
  • Proactive

Knowledge & Qualifications

  • In depth knowledge of mortgages
  • CeMap Qualified

Personal Attributes

  • Excellent communication, coaching and feedback skills
  • Resilient and flexible
  • Approachable and self- motivated
  • Proactive and able to identify and highlight areas of opportunity or improvement and advise on actions required
  • Ability to analyse and present complex information in a clear, relevant and interesting way

How these will be demonstrated in the role

Teamwork

Demonstrating: ability to work in a team and being committed to achieving a common goal; ability to work not only within one’s own department but across functions and the organisation in order to achieve goals; ability to persuade and influence others.

Accountability

Demonstrating: a desire and drive for success; a determination to not only meet but exceed customer expectations and goals. Assuming full responsibility for the consequences of one’s behaviour or decisions. Completing work on time and within budget. Producing high quality work, with an attention to detail and accuracy, and in a compliant manner. Understanding one’s responsibilities, taking ownership of them and doing what is necessary to make them happen.

Customer focus

Focusing on the needs of individual customers and ensuring that we build our business around the customer. Using our experience and market knowledge to capitalise on opportunities and challenges; demonstrating a ‘will to win’ in the market through effectively managing risk. Developing solutions that enhance the organisation’s products, services and processes for the benefit of individual customers.

Integrity

Demonstrating: moral judgement and character, honesty and leadership values; an understanding of right from wrong and puts into practice. Treating others, the way one would like to be treated, and demonstrates respect; confidentiality in the workplace.

Creativity/ Agility

Demonstrating: the ability to be creative, flexible, adaptable to change, highly responsive to business needs and acting decisively; ability and confidence to make timely decisions within the scope of responsibility. Able to modify one’s behaviour to achieve a goal, as well as being able to adapt and add value through change.

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