Post‑Offer Mortgage Closures Specialist (Hybrid) in Cardiff

Working in our fast paced, successful Sales Operations team in our Cardiff or Manchester offices, 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. 3 days per week in the office.

About the Role: We’re looking for a detail-oriented and customer-focused Completions Specialist to join our Operations team. In this role, you’ll manage mortgage applications post-offer, ensuring all conditions are met and cases are prepared for completion. You’ll play a key part in delivering a smooth and efficient customer journey while maintaining high standards of compliance and service.

Key Responsibilities:

• Process mortgage applications from offer to completion, ensuring all conditions are satisfied.
• Assess supporting documentation and manage solicitor queries.
• Prepare cases for fund release and maintain the solicitor panel.
• Ensure decisions align with regulatory standards and lending risk strategy.
• Build strong relationships with brokers, solicitors, valuers, and internal teams.
• Meet agreed SLAs and KPIs through proactive pipeline management.

What We’re Looking For:

• Mortgage experience, ideally in the post-offer stage.
• Strong customer service skills and a passion for delivering great outcomes.
• Knowledge of regulatory frameworks including FCA, TCF, MCOB, and UK Finance Handbook.
• Excellent communication skills, both written and verbal.
• Proficiency in Microsoft Office and familiarity with DPR systems.
• CEMAP qualification and previous completion mandate desirable.

Some of the benefits we provide are:

• Competitive salaries and bonus schemes.
• Hybrid home and office working with flexible working arrangements.
• Opportunities to develop your career within the wider firm.
• 25 days’ holiday & bank holidays plus birthday off.
• Single Private Medical Insurance cover with BUPA.
• Personal pension scheme with generous matched company contributions.

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.