At a Glance
- Tasks: As a Mortgage Adviser, you'll guide customers in choosing the right mortgage products.
- Company: Ocean is dedicated to improving financial wellbeing for those underserved by mainstream finance.
- Benefits: Enjoy remote work, 25 days holiday, health perks, and a supportive team culture.
- Why this job: Join a mission-driven company that values your ideas and offers growth opportunities.
- Qualifications: Must have at least 1 year of financial service experience and be CeMAP qualified.
- Other info: Monthly office visits in Salford required; flexible working hours available.
The predicted salary is between 28800 - 43200 £ per year.
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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 our new Mortgage Adviser, you’ll be the kind of person that loves to push the boundaries of what’s possible and thrives in a fast-paced environment like ours.
You will 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.
This role is predominantly working from home however you would be required to attend our office at MediaCity, Salford on a monthly basis.
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 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.
- Have good communication and listening skills
- Be punctual, professional and reliable
- Be organised with the ability to multi task
- Have the ability to work as part of a team as well as under own initiative
- Be flexible to work with a variety of shifts/hours
- Have experiencein providing advice in the regulated mortgage industry
- Be driven, ambitious and self-motivated
- Ability to work under pressure
- Have aminimum of 1 years financial service experience
- Be fully CeMAP Qualified. (level 3 or equivalent)
- Live and breathe our values: Openness, Trust, Humility, Professionalism, Respect, and Passion
What we’ll do for you
- Welcome you into our awesome team (dare we say the best? We do, yes!)
- Bring the kind of vibe where we want you to share your ideas, even if it’s not “your area”
- 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
- 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
- Provide you flexibility of benefits with PerkBox discounts our / and Ocean Health Plan
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Mortgage Adviser employer: Ocean Finance
Contact Detail:
Ocean Finance Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Mortgage Adviser
✨Tip Number 1
Familiarise yourself with the mortgage products offered by various lenders. Understanding the nuances of different products will help you provide tailored advice to customers, showcasing your expertise during interviews.
✨Tip Number 2
Brush up on your knowledge of regulatory obligations and compliance standards in the mortgage industry. Being well-versed in these areas will demonstrate your commitment to professionalism and customer care.
✨Tip Number 3
Practice your communication skills, especially how to present complex information in a clear and engaging manner. This is crucial for explaining mortgage options to customers effectively.
✨Tip Number 4
Network with other professionals in the financial services sector. Building connections can provide insights into the role and may even lead to referrals or recommendations for the position.
We think you need these skills to ace Mortgage Adviser
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities of a Mortgage Adviser at Ocean. Familiarise yourself with their mission and values to tailor your application accordingly.
Highlight Relevant Experience: In your CV and cover letter, emphasise your experience in the regulated mortgage industry. Mention specific achievements or situations where you provided excellent customer service or made informed recommendations.
Showcase Your Qualifications: Clearly state your CeMAP qualification (or equivalent) in your application. This is crucial for the role, so ensure it stands out in your CV and any supporting documents.
Personalise Your Cover Letter: Craft a personalised cover letter that reflects your understanding of Ocean's mission. Explain why you are passionate about helping customers improve their financial wellbeing and how you align with their values.
How to prepare for a job interview at Ocean Finance
✨Know Your Mortgages
Make sure you brush up on your knowledge of first and second charge mortgages. Be prepared to discuss different products and how they can benefit customers, as this will show your expertise and understanding of the role.
✨Demonstrate Customer-Centricity
During the interview, highlight your ability to assess customer needs and provide tailored recommendations. Share examples of how you've successfully helped clients in the past, showcasing your commitment to excellent customer service.
✨Showcase Your Compliance Knowledge
Familiarise yourself with regulatory obligations and company policies relevant to the mortgage industry. Be ready to discuss how you ensure compliance in your work, as this is crucial for the role.
✨Exhibit Strong Communication Skills
Since the role involves explaining complex information to customers, practice articulating your thoughts clearly and concisely. Use examples from your experience to demonstrate your communication and listening skills effectively.