At a Glance
- Tasks: Help customers navigate their mortgage journey with tailored advice and support.
- Company: Join ClearScore, the UK's leading credit score app with a vibrant culture.
- Benefits: Enjoy 25 holidays, hybrid work, health cover, and personal development opportunities.
- Other info: Flexible work environment with a focus on collaboration and innovation.
- Why this job: Make a real impact in people's financial lives while growing your career.
- Qualifications: CeMAP 1 qualified or equivalent, with strong communication and organisational skills.
The predicted salary is between 30000 - 40000 £ per year.
We are looking for a motivated and customer-focused 1st Charge Advisor to join our growing ClearScore Home Lending team. This role is central to helping customers make confident financial decisions by supporting them through the first charge mortgage journey, from initial enquiry through to completion. You’ll combine strong regulatory knowledge with a customer-first mindset to deliver tailored mortgage solutions while ensuring the highest standards of compliance and customer outcomes.
What you will be doing:
- Conduct detailed fact-finds to understand customer circumstances and provide suitable, compliant mortgage recommendations.
- Provide clear, compliant information and guidance in line with FCA regulations.
- Recommend suitable first charge mortgage products.
- Package and submit applications accurately to lenders.
- Liaise with underwriters, solicitors, valuers and other third parties to progress cases.
- Maintain accurate and detailed customer records on internal systems.
- Ensure all compliance documentation is completed to required standards.
- Meet agreed KPIs including conversion rates, quality standards and customer satisfaction.
- Deliver excellent customer service throughout the mortgage journey.
- Keep up to date with lender criteria, regulatory changes, and market developments.
Skills we'd love you to have:
- CeMAP 1 qualified (or equivalent).
- Experience working within the UK mortgage market (first charge).
- Strong understanding of FCA regulation and Treating Customers Fairly (TCF) principles.
- Experience conducting fact-finds and affordability assessments.
- Excellent communication and interpersonal skills.
- Strong organisational skills and attention to detail.
- Ability to manage a pipeline of cases effectively.
- Comfortable working to targets in a regulated environment.
Desirable:
- Fully CeMAP qualified (or equivalent).
- Experience using mortgage sourcing systems.
- Experience working with a variety of UK lenders.
Benefits:
- 25 paid holidays and a “duvet day” on your birthday.
- Hybrid Work Environment.
- Private health and dental cover - including mental health support through Bupa.
- GP office visits.
- Life assurance scheme.
- Up to 6% matched pension.
- Regular Lunch and Learns with guest speakers.
- Dog-friendly office.
- Daily breakfast and free snacks.
- Access to discounts via Cobens Extras.
- Free sports and social clubs.
- Continued investment into learning and development.
- Leadership-led training.
- In-house psychotherapist.
- Financial coach to help you plan and achieve your goals.
- No clock-watching culture.
- Generous maternity and paternity plans.
- Culture and inclusion representatives.
- Transparent pay structure and a career growth plan.
Equal Opportunities: ClearScore is committed to providing equal employment opportunities to all qualified individuals. As an equal opportunity employer, we are able to make reasonable adjustments to accommodate individuals with disabilities during the recruitment and selection process. If you require accommodation, please inform us in advance, and we will work with you to meet your needs.
Our Hybrid Model: We embrace a dynamic hybrid work environment that balances flexibility with collaborative in-person experiences. Our approach is designed to foster innovation, team connection, and individual productivity. Minimum 3 days per week in-office. We believe this structure offers the best of both worlds - the flexibility of remote work and the synergy of face-to-face collaboration. Our office days are carefully coordinated to maximise team interactions and learning/mentorship opportunities.
Inclusion Policy: We are always looking for talented individuals to join ClearScore. We are an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for our people.
1st Charge Mortgage Advisor in Manchester employer: ClearScore
ClearScore is an exceptional employer that prioritises a customer-first approach while fostering a dynamic and inclusive work culture. With flexible working arrangements, comprehensive benefits including private health cover and generous leave policies, and a strong commitment to employee growth through continuous learning opportunities, ClearScore empowers its team members to thrive both personally and professionally. Join us in a vibrant environment where your contributions are valued, and you can make a real impact in helping customers navigate their financial journeys.
StudySmarter Expert Advice🤫
We think this is how you could land 1st Charge Mortgage Advisor in Manchester
✨Tip Number 1
Network like a pro! Reach out to your connections in the mortgage industry and let them know you're on the lookout for opportunities. You never know who might have a lead or be able to refer you to a hiring manager.
✨Tip Number 2
Prepare for interviews by brushing up on your regulatory knowledge and customer service skills. Practice answering common questions related to first charge mortgages, so you can showcase your expertise and confidence when it counts.
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your values and career goals. Check out our website for openings at ClearScore, where we value innovation and customer-centric approaches just like you do!
✨Tip Number 4
Follow up after interviews! A quick thank-you email can go a long way in showing your enthusiasm for the role and keeping you top of mind for the hiring team. Plus, it’s a great chance to reiterate why you’re the perfect fit!
We think you need these skills to ace 1st Charge Mortgage Advisor in Manchester
Some tips for your application 🫡
Tailor Your Application:Make sure to customise your CV and cover letter for the 1st Charge Mortgage Advisor role. Highlight your experience in the UK mortgage market and any relevant qualifications like CeMAP. We want to see how your skills align with what we're looking for!
Showcase Your Customer Focus:Since this role is all about helping customers, share examples of how you've delivered excellent customer service in the past. We love seeing candidates who put customers first and can demonstrate a strong understanding of their needs.
Be Compliant and Clear:Given the regulatory nature of the role, make sure your application reflects your knowledge of FCA regulations and compliance standards. Use clear language and structure your application well so we can easily see your qualifications.
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 you're keen on joining our team at ClearScore!
How to prepare for a job interview at ClearScore
✨Know Your Stuff
Make sure you brush up on your regulatory knowledge and FCA guidelines. Being able to discuss compliance and customer-first principles confidently will show that you're serious about the role and understand the importance of these aspects in the mortgage industry.
✨Practice Your Fact-Finding Skills
Since conducting detailed fact-finds is a key part of the job, practice this skill before your interview. You could role-play with a friend or family member to simulate the process of understanding customer circumstances and providing tailored recommendations.
✨Showcase Your Communication Skills
Excellent communication is crucial for a 1st Charge Mortgage Advisor. Be prepared to demonstrate how you've effectively communicated complex information in the past. Think of examples where you’ve helped customers understand their options clearly and concisely.
✨Be Ready to Discuss KPIs
Familiarise yourself with common KPIs in the mortgage sector, such as conversion rates and customer satisfaction scores. Be ready to discuss how you've met or exceeded these in previous roles, as this will highlight your ability to work towards targets in a regulated environment.
