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- Tasks: Guide customers through their mortgage applications and ensure a smooth Decision In Principle process.
- Company: Join Skipton Building Society, a supportive and dynamic workplace.
- Benefits: Enjoy a competitive salary, bonus scheme, generous leave, and private medical insurance.
- Why this job: Make a real difference in customers' lives while developing your career in finance.
- Qualifications: Experience in customer service and a passion for helping others.
- Other info: Hybrid working with opportunities for personal growth and volunteering.
The predicted salary is between 22000 - 30000 ÂŁ per year.
Overview
Hours: This is a full time position at 35 hours per week, working shift patterns across Monday to Saturday on a rota basis. We offer hybrid working however, you must be able to travel to our Head Office in Skipton multiple times a week, with flexibility and more presence needed during initial 3 week training period.
Salary: ÂŁ26,000 Per Annum
Closing Date: Fri, 30 Jan 2026
The salary for this role is circa ÂŁ26,000 per annum dependent on skills and experience.
Join our Homes Advice Team – Help make ownership happen! Big things are happening in our Homes Business – we\’re leading the way in helping more people achieve their dream of owning a home. Right now is a pivotal time to join us; we\’re creating innovative products, delivering standout services, and fostering a culture of customer obsession that truly puts customers first. We\’re expanding and excited to offer some fantastic opportunities. We\’re looking for multiple Direct Lending Advisers who are passionate about delivering exceptional customer service and making a real difference. In this role, you\’ll guide our members through the first stage of their mortgage journey – helping turn homeownership into a reality. You\’ll carry out affordability checks and provide Decisions in Principle, ensuring a smooth and supportive experience from the start.
If you are seeking an organisation with purpose, where you\’ll be at the heart of our customers and mortgage business, we\’d love to hear from you. We\’re also hiring for Mortgage Advisers, and roles in Credit Management & Customer Contact Teams – depending on your experience and interests, we may have the perfect fit for you.
Who Are We? Not just another building society. Not just another job. We\’re the fourth biggest building society in the UK and what makes us a bit different is that we\’re a mutual organisation. We don\’t have shareholders; we\’re owned by our members. Our colleagues say Skipton\’s a great place to work, and you could be one of them, bringing with you new ideas on how we can keep customers at the heart of what we do. Whatever your background, and whatever your goals, we\’ll help you take the next step towards a better future.
At Homes Advice, a Direct Lending Adviser plays a crucial role as the first point of contact, assisting customers in achieving homeownership and supporting existing customers with their additional borrowing needs. Homes Advice provides customers with the opportunity to apply for a mortgage directly through Skipton Building Society. The teams consist of Direct Lending Advisers, Mortgage Relationship Advisers, and Qualified Mortgage Advisers. Together, they work in a collaborative and high-performing environment, closely partnering with key stakeholders to ensure the best possible customer journey.
What’s In It For You?
- Annual discretionary bonus scheme
- 25 days standard annual leave + bank holidays + rising 1 day per year of service to a maximum of 30 days
- Holiday trading scheme allowing the ability to buy and sell additional annual leave days
- Matching employer pension contribution (up to 10% per annum)
- Colleague mortgage (conditions apply)
- A commitment to training and development
- Private medical insurance for all our colleagues
- 3 paid volunteering days per annum
- Diverse and inclusive colleague networks available for you to join including our Carers and Pride Alliance groups
- Cycle to work initiative and discounted gym membership for health and wellbeing
What Will You Be Doing?
You will be answering a variety of customer inquiries related to their mortgage application, with your main focus being on guiding them through the Decision in Principle (DIP) process. This includes:
- Using curious questioning to understand what the customer is hoping to achieve and cross referencing our lending policy to ensure the mortgage application is viable
- Verifying income and expenditure, not only checking basic affordability but also considering any unique circumstances that could impact the lending decision
- Completing credit searches and informing customers of how much they could borrow
- Where appropriate advocating for them with underwriters, taking a balanced and informed view on cases, and flexing policies where possible, whilst providing sound rationale and necessary approvals
- Adopting a \”customer first\” mindset whilst incorporating commercial thinking and maximising every opportunity for both the customer and the Society
- Ensuring honest and timely outcomes are given when a case cannot be proceeded
- After successful Decision in Principles, taking ownership of the customer, supporting them through the next stage in their journey in speaking with a qualified Mortgage Adviser
What Do We Need From You?
- Customer centric mindset – we\’re looking for people with a passion for delivering an excellent customer journey and outcome
- Communication – able to communicate clearly and comprehensively, making complex information easy to understand, and using curious questioning to explore customer needs
- Commercial awareness – strong business acumen to identify and maximise business opportunities
- Mortgage experience – experience of being involved in a customer\’s mortgage journey is essential
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Direct Lending Adviser employer: Skipton Building Society
Contact Detail:
Skipton Building Society Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Direct Lending Adviser
✨Tip Number 1
Network like a pro! Reach out to current employees at Skipton Building Society on LinkedIn or other platforms. A friendly chat can give you insider info and maybe even a referral, which can boost your chances of landing that Direct Lending Adviser role.
✨Tip Number 2
Prepare for the interview by practising common questions related to customer service and mortgage processes. We recommend role-playing with a friend or using online resources to get comfortable with articulating your experience and how it aligns with what Skipton is looking for.
✨Tip Number 3
Show your enthusiasm! When you get the chance to speak with recruiters or during interviews, let your passion for helping customers shine through. Share specific examples of how you've gone above and beyond in previous roles to create a positive customer experience.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, keep an eye on any upcoming job fairs or recruitment events where you can meet the team and make a lasting impression.
We think you need these skills to ace Direct Lending Adviser
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Direct Lending Adviser role. Highlight any relevant experience you have in customer service or mortgage processes, and don’t forget to showcase your communication skills!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about helping customers with their mortgage journeys and how your previous experiences make you a great fit for our team.
Showcase Your Customer Focus: In your application, emphasise your motivation to provide an excellent customer journey. Share examples of how you've gone above and beyond for customers in the past – we love hearing about that!
Apply Through Our Website: Don’t forget to 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 serious about joining our team at Skipton Building Society.
How to prepare for a job interview at Skipton Building Society
✨Know Your Stuff
Make sure you understand the mortgage application process inside out. Familiarise yourself with terms like Decision In Principle (DIP) and how to verify income and expenditure. This will show that you're not just interested in the role, but that you’re ready to hit the ground running.
✨Practice Empathy
Since this role is all about guiding customers through their mortgage journey, practice how you would communicate complex information clearly and empathetically. Role-play common customer scenarios with a friend or family member to get comfortable with the language you'll need to use.
✨Show Your Motivation
Be prepared to discuss why you want to work as a Direct Lending Adviser specifically at Skipton Building Society. Highlight your motivation to provide an excellent customer journey and how you plan to develop yourself within the company. This will resonate well with the interviewers.
✨Ask Smart Questions
At the end of the interview, don’t forget to ask insightful questions about the team dynamics, training opportunities, or the company culture. This shows that you’re genuinely interested in the role and helps you assess if it’s the right fit for you too.
