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- 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 where your advice makes a real difference in people's lives.
- Qualifications: Must be CeMAP qualified with at least one year of experience in financial services.
- Other info: Monthly office visits at MediaCity, Salford, and opportunities for community volunteering.
The predicted salary is between 36000 - 60000 £ per year.
About the company
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
- 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.
Skills-wise, you’ll definitely:
- Have good communication and listening skills
- Be customer focused
- 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 experience in providing advice in the regulated mortgage industry
- Be driven, ambitious and self-motivated
- Ability to work under pressure
- Have a minimum of 1 year’s 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.
- 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 and Ocean Health Plan.
Contact Detail:
Ocean Finance Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Mortgage Adviser Manchester ·
✨Tip Number 1
Familiarise yourself with the mortgage products offered by various lenders. Understanding the nuances of different products will help you stand out during interviews, as you'll be able to discuss how you can tailor recommendations to meet customer needs.
✨Tip Number 2
Brush up on your knowledge of compliance and regulatory obligations in the mortgage industry. Being well-versed in these areas will demonstrate your professionalism and commitment to maintaining high standards, which is crucial for a Mortgage Adviser role.
✨Tip Number 3
Showcase your customer service skills by preparing examples of how you've successfully managed client relationships in the past. Highlighting your ability to communicate effectively and provide tailored advice will resonate well with the hiring team.
✨Tip Number 4
Network with professionals in the mortgage industry, whether through LinkedIn or local events. Building connections can provide valuable insights into the role and may even lead to referrals, increasing your chances of landing the job with us.
We think you need these skills to ace Mortgage Adviser Manchester ·
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 examples where you've successfully advised clients or sourced suitable products.
Showcase Your Skills: Clearly demonstrate your communication, organisational, and customer service skills in your application. Use concrete examples to illustrate how you've excelled in these areas in previous roles.
Personalise Your Application: Craft a personalised cover letter that reflects your understanding of Ocean's mission and how your values align with theirs. This will show your genuine interest in the position and the company.
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. Understand the different products available from various lenders and be ready to discuss how they can meet customer needs.
✨Demonstrate Customer Focus
During the interview, showcase your ability to listen and understand customer needs. Prepare examples of how you've provided excellent customer service in the past, especially in a financial context.
✨Showcase Your Compliance Knowledge
Familiarise yourself with regulatory obligations and company policies related to mortgage advising. Be prepared to discuss how you ensure compliance in your work and why it’s important.
✨Highlight Your Teamwork Skills
Even though this role involves working from home, teamwork is still crucial. Share experiences where you've successfully collaborated with others, whether in person or remotely, to achieve common goals.
