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- Tasks: Ensure a top-notch customer experience for lending products from offer to completion.
- Company: Join Allica Bank, the UK's fastest-growing fintech firm!
- Benefits: Enjoy flexible working, social activities, and private health cover.
- Why this job: Make a real impact in supporting SMEs and local communities.
- Qualifications: A-level education or equivalent, with strong customer service skills.
- Other info: Diverse and inclusive workplace with excellent development opportunities.
The predicted salary is between 36000 - 60000 £ per year.
About Allica Bank
Allica is the UK’s fastest growing company – and the fastest-growing financial technology (Fintech) firm ever. Our purpose is to help established SMEs, one of the last major underserved opportunities in Fintech.
Established SMEs are the backbone of local communities – representing over a third of our economy – yet have been largely neglected both by traditional high street banks and modern fintech providers.
Role Description
The Credit Completions Officer ensures the best possible customer experience for Allica’s lending products from Offer stage through to loan drawdown and completion.
Working closely with Relationship Managers, Business Development Managers, legal and valuation panels, and Underwriting teams, you will manage a portfolio of lending cases covering Commercial Mortgages, GGS loans, Overdrafts, and Business Loans progressing them efficiently and effectively to completion while maintaining compliance and operational excellence.
Principal Accountabilities
- Deliver post-sanction administration for all lending products, ensuring timely release of communications, legal and valuation instructions, and payments.
- Satisfy all Conditions Precedent to the loan/mortgage, coordinating with internal and external stakeholders to drive completions.
- Manage a pipeline of cases to meet service level agreements and quality standards.
- Maintain strong working relationships with legal and valuation panel partners to ensure efficient correspondence and case progression.
- Build and maintain close collaboration with Underwriting, Relationship Managers, and Business Development Managers.
- Keep accurate case records, including a clear sanction audit trail for MI and monitoring purposes.
- Ensure compliance with bank policies, procedures, and all regulatory requirements, taking action to protect the bank’s business.
- Communicate relevant updates to team members, senior management, and other stakeholders to enable informed decision-making.
- Maintain and update customer records, including Core Banking system data entry.
- Support the wider Operations team and other departments as needed.
Personal Attributes & Experience
- Strong customer service ethic with a proven record of delivering high standards in a fast-paced environment.
- Education to A level standard or equivalent.
- Excellent analytical and problem-solving skills, preferably with a Commercial Mortgage background.
- Understanding of the commercial environment and lending pipeline management.
- Strong financial and commercial awareness.
- Good understanding of Conduct and Treating Customers Fairly requirements relevant to Credit Operations.
- Excellent oral and written communication skills, with strong relationship management abilities.
Working at Allica Bank
At Allica Bank we want to ensure our employees have the right tools and environment in which to succeed in their role and in support of our customers.
Our employees are at the heart of everything we do, so our benefits are designed with you in mind:
- Full onboarding support and continued development opportunities
- Options for flexible working
- Regular social activities
- Pension contributions
- Discretionary bonus scheme
- Private health cover
- Life assurance
- Family friendly policies including enhanced Maternity & Paternity leave
Don’t tick every box?
Don’t worry if you don’t have all the skills or requirements listed on the job description. If you think you’ll be a good fit, we’d still love to hear from you!
Flexible working
We know the ‘9-to-5’ isn’t right for everyone. That’s why Allica Bank is fully committed to flexible and hybrid working. Please let us know what is best for you and, if we can, we will do our best to accommodate.
Diversity
We’re a diverse bunch here at Allica, with all kinds of experiences, backgrounds and lifestyles. Our openness and differences make us stronger, and we want everybody to feel comfortable bringing as much of themselves to work with them as they like.
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Commercial Mortgage Officer employer: Allica Bank
Contact Detail:
Allica Bank Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Commercial Mortgage Officer
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those connected to Allica Bank. A friendly chat can sometimes lead to opportunities that aren’t even advertised.
✨Tip Number 2
Prepare for interviews by researching Allica Bank’s values and recent news. Show us you’re genuinely interested in the company and how you can contribute to their mission of supporting SMEs.
✨Tip Number 3
Practice your communication skills! Since the role involves liaising with various stakeholders, being clear and confident in your conversations will set you apart from the competition.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who take the initiative to connect directly with us.
We think you need these skills to ace Commercial Mortgage Officer
Some tips for your application 🫡
Tailor Your Application: Make sure to customise your CV and cover letter for the Commercial Mortgage Officer role. Highlight your relevant experience in lending and customer service, and show us how you can contribute to Allica Bank's mission of supporting SMEs.
Showcase Your Skills: Don’t just list your skills; give us examples of how you've used them in past roles. Whether it’s managing a pipeline of cases or maintaining strong relationships with stakeholders, we want to see how you’ve made an impact.
Be Clear and Concise: When writing your application, keep it straightforward. Use clear language and avoid jargon. We appreciate a well-structured application that makes it easy for us to see your qualifications and enthusiasm for the role.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows us you’re keen on joining the Allica team!
How to prepare for a job interview at Allica Bank
✨Know Your Stuff
Before the interview, make sure you understand Allica Bank's mission and the role of a Commercial Mortgage Officer. Familiarise yourself with their lending products and the specific responsibilities outlined in the job description. This will show that you're genuinely interested and prepared.
✨Showcase Your Customer Service Skills
Since this role emphasises a strong customer service ethic, be ready to share examples from your past experiences where you've delivered exceptional service. Think about situations where you resolved issues or improved customer satisfaction, as these stories will resonate well with the interviewers.
✨Demonstrate Your Analytical Skills
Prepare to discuss your analytical and problem-solving abilities, especially in relation to managing a lending pipeline. You might want to bring up specific instances where you've successfully navigated complex cases or made data-driven decisions that led to positive outcomes.
✨Build Rapport with Interviewers
During the interview, focus on building a connection with your interviewers. Ask insightful questions about their experiences at Allica Bank and express your enthusiasm for working collaboratively with teams like Underwriting and Relationship Managers. This will highlight your relationship management skills and fit within their culture.
