At a Glance
- Tasks: Support the sales team by reviewing mortgage referrals and making key decisions.
- Company: Join Pepper Money, a dynamic specialist mortgage lender with a global backing.
- Benefits: Enjoy competitive salaries, hybrid working, and health support.
- Other info: Be part of an inclusive culture with excellent career growth opportunities.
- Why this job: Make a real impact in a fast-paced environment while helping people succeed.
- Qualifications: Experience in mortgage underwriting and strong decision-making skills required.
The predicted salary is between 30000 - 40000 € per year.
Working in our fast paced, successful Sales Operations team in our Cardiff office there has never been a better time to join Pepper Money, a specialist mortgage lender backed by a global financial institution offering first and second charge loans. We really do believe that it’s our people who are our main competitive advantage – the ‘thing’ that sets us apart from our competitors. Our passion is to ‘Help People Succeed’. This is at the heart of everything we do and includes our valued customers, intermediary brokers and partners as well as all of our fantastic colleagues. This is a 6 month FTC.
What you will be doing
You’ll act as a key decision‑making hub within Sales Operations, supporting the sales team, brokers and partners by reviewing mortgage referrals, criteria queries and complex cases. Your focus will be on problem‑solving, risk‑based decision making and delivering fair, commercially sound outcomes within our lending policy and risk appetite. You’ll work closely with internal teams and external intermediaries to progress applications, manage expectations and provide a consistently high level of service. Alongside day‑to‑day decisioning, you’ll help identify trends and opportunities to improve criteria, processes and systems.
Key responsibilities include:
- Assessing referrals and complex mortgage cases against policy and criteria
- Providing clear, timely responses to broker and internal queries
- Building strong relationships with brokers and stakeholders
- Creating well‑reasoned business cases for non‑standard lending decisions
- Ensuring all actions, notes and decisions meet regulatory standards
- Supporting continuous improvement and excellent customer outcomes
What we are looking for
You’ll bring strong mortgage underwriting or lending experience, with the confidence to make sound decisions and negotiate balanced outcomes. You’re customer‑focused, commercially aware and comfortable having robust conversations with brokers and internal stakeholders in a fast‑paced, regulated environment. You’ll be organised, detail‑driven and proactive, with a genuine interest in improving how things are done. A collaborative mindset and commitment to high service standards are essential in this role.
You’ll ideally have:
- Mortgage underwriting or homeowner lending experience
- Strong knowledge of lending policy, criteria and regulation
- Excellent verbal and written communication skills
- Proven problem‑solving and decision‑making ability
- Confidence influencing and negotiating with stakeholders
- Experience working in a regulated financial services environment
Some of the benefits we provide are:
- Competitive salaries and bonus schemes
- Hybrid home/office working arrangements
- Regular training and opportunities to learn and grow
- Holiday leave plus bank holidays
- Medical insurance cover
- Life insurance
- Health and wellbeing support
In return for your commitment, you’ll have the chance to develop your career in a dynamic environment, working alongside top talent and an exceptional leadership team. If you want to be involved in our exciting expansion plans and have the chance to really shape and influence the way the business grows, then we’d love to hear from you. We also want our people to feel a sense of belonging at Pepper Money. We are committed to meeting our Diversity, Equality and Inclusion charter, further information can be found on the Careers section on our website.
Mortgage Referrals Specialist in Cardiff employer: Pepper Money UK
At Pepper Money, we pride ourselves on being an exceptional employer, offering a vibrant work culture in our Cardiff office where collaboration and innovation thrive. Our commitment to employee growth is evident through regular training opportunities and a supportive environment that encourages career development. With competitive salaries, hybrid working arrangements, and a strong focus on diversity and inclusion, we ensure that our team feels valued and empowered to help people succeed.
StudySmarter Expert Advice🤫
We think this is how you could land Mortgage Referrals Specialist in Cardiff
✨Tip Number 1
Network like a pro! Reach out to current employees at Pepper Money on LinkedIn or through mutual connections. Ask them about their experiences and any tips they might have for landing the Mortgage Referrals Specialist role.
✨Tip Number 2
Prepare for the interview by brushing up on your mortgage underwriting knowledge. Be ready to discuss specific cases you've handled and how you made decisions. Show us that you can think on your feet and solve problems effectively!
✨Tip Number 3
Don’t just focus on your qualifications; highlight your passion for helping people succeed. Share examples of how you've gone above and beyond for customers or colleagues in the past. We love seeing that commitment!
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows us you’re genuinely interested in being part of the Pepper Money team.
We think you need these skills to ace Mortgage Referrals Specialist in Cardiff
Some tips for your application 🫡
Tailor Your CV:Make sure your CV reflects the skills and experience mentioned in the job description. Highlight your mortgage underwriting or lending experience, and don’t forget to showcase your problem-solving abilities!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you’re passionate about helping people succeed and how your background aligns with our values at Pepper Money. Keep it concise but impactful.
Showcase Your Communication Skills:Since excellent verbal and written communication is key for this role, make sure your application is clear and well-structured. This will demonstrate your ability to communicate effectively with brokers and stakeholders.
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way to ensure your application gets to us quickly and efficiently. Plus, you’ll find all the info you need about our company culture and values there!
How to prepare for a job interview at Pepper Money UK
✨Know Your Mortgage Stuff
Make sure you brush up on your mortgage underwriting and lending knowledge. Understand the key policies, criteria, and regulations that Pepper Money follows. This will not only help you answer questions confidently but also show that you're genuinely interested in the role.
✨Showcase Your Problem-Solving Skills
Prepare examples of how you've tackled complex cases or made sound decisions in previous roles. Think about specific situations where you had to negotiate outcomes or influence stakeholders. This will demonstrate your ability to handle the fast-paced environment at Pepper Money.
✨Build Rapport with Interviewers
Remember, it's not just about answering questions; it's about building relationships. Be friendly, approachable, and engage with your interviewers. Ask them about their experiences at Pepper Money and share your enthusiasm for helping people succeed.
✨Prepare for Regulatory Questions
Since this role involves working in a regulated financial services environment, be ready to discuss how you ensure compliance with regulations. Think of examples where you've maintained high service standards while adhering to guidelines, as this will highlight your attention to detail and commitment to excellence.
