Senior Financial Difficulties Specialist - Nottingham in Sutton

This Senior Specialist role focuses on managing complex arrears cases, including those involving vulnerable customers, helping to deliver fair outcomes while protecting the Society from risk. You will take ownership of Residential, Commercial and Buy-to-Let mortgage accounts with serious arrears or breaches, working to find balanced, sustainable solutions. The role also includes overseeing possession proceedings, managing property sales, and maximising recovery of any shortfall balances, all in line with regulatory and best practice standards. As a key member of the team, you will also deputise for the Financial Difficulties Senior Manager, providing support and leadership where required.

Here’s a taste of what you will be doing as a Senior Financial Difficulties Specialist at Nottingham Building Society:

• Lead the management of complex arrears and breach of terms cases, including vulnerable customers
• Operate with a high mandate level, approving non-standard forbearance and complex decisions
• Act as an escalation point for colleagues and deputise for the Financial Difficulties Team Senior Manager
• Oversee litigation and recovery activity, including court submissions, possession proceedings and pre/post-hearing strategies
• Manage third parties (solicitors, asset managers, LPA receivers), ensuring performance and SLA adherence
• Take ownership of repossession processes, including property sale strategy, approvals and shortfall recovery
• Present complex cases to senior leadership, providing clear, risk-based recommendations
• Maintain strong regulatory compliance (including MCOB and pre-action protocol) across all activity
• Identify and support vulnerable customers, ensuring tailored and appropriate outcomes
• Collaborate with internal stakeholders to manage risk, MI reporting and complex portfolio cases

About you:

• Strong knowledge of mortgage products and MCOB, including detailed understanding of The Nottingham's procedures, legislation and regulatory requirements
• Proven experience managing complex, customer-facing situations with confidence and professionalism
• Extensive mortgage arrears and litigation experience, including preparing court documentation and overseeing asset managers and solicitors
• Expertise in supporting and managing vulnerable customers
• Background within Financial Services
• Excellent communication, organisation and stakeholder management skills
• Highly IT literate, with strong proficiency in Microsoft Office and understanding of web-based systems
• Solid and up-to-date knowledge of MCOB

Reward & Benefits:

• A fair and competitive salary evaluated against market data, annual discretionary bonus scheme, Medicash healthcare scheme, 29 days annual leave plus bank holidays and enhanced family leave.
• Commitment and dedication to your ongoing personal and professional development.
• A friendly and inclusive culture where teams genuinely strive to do the right thing by their colleagues and our customers.
• A strong sustainability agenda where we are continually finding new ways to be kinder to the environment by reducing our carbon footprint.
• Your health and wellbeing is our priority, we encourage this through a suite of support resources, including a team of trained mental health first aiders.

Embracing Diversity Together:

We proudly embrace and celebrate diversity as a fundamental cornerstone of our values. We believe that a diverse and inclusive workplace is not just essential for our success but is also a reflection of the vibrant communities we serve. Our commitment to diversity extends beyond our internal culture to the way we approach advertising and engage with our customers.

About us:

Together we overcome barriers and shape brighter futures for our customers, colleagues and our communities. We are a mutual, which means we don’t have shareholders. Instead, we are owned by our members and use our money to do good, investing in our community, responsible causes, and well, you. So, we are always striving to do the right thing for our colleagues, communities and members.