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For Companies At a Glance
- Tasks: Manage complex mortgage arrears cases and lead strategic recovery initiatives.
- Company: Join a specialist lender with a supportive and collaborative culture.
- Benefits: Enjoy a competitive salary, pension, private medical cover, and holiday perks.
- Why this job: Make a real impact while developing your skills in a diverse environment.
- Qualifications: Experience in mortgage recovery and strong communication skills are essential.
- Other info: Great career growth opportunities in a dynamic and inclusive team.
The predicted salary is between 24000 - 40000 £ per year.
Job Description
Job Title: Special Servicing and Recovery Specialist
Location: Southeast England – Onsite
Salary: Up to £40,000 depending on experience
Hours: Monday to Friday, 9:00 am – 5:30 pm
Job Type: Full-time Permanent or Contract
Benefits:
- Company pension
- Private Medical Cover
- Income Protection
- Death in Service/Life Cover
- Cycle to Work Scheme
- Holiday Purchase/Sale
About the position of Special Servicing and Recovery Specialist:
Join a specialist lender and take your career to the next level! In this key role, you'll manage complex mortgage arrears cases, lead strategic recovery initiatives, and work closely with legal partners to deliver outstanding customer outcomes. You'll be part of a collaborative, supportive team that values your expertise and invests in your professional growth. This is a chance to make a real impact, develop your skills, and thrive in a diverse and inclusive environment. The ideal candidate will bring strong experience in mortgage recovery, litigation, and arrears management, ready to take on challenging and rewarding cases.
Responsibilities for the role of Special Servicing and Recovery Specialist:
- Manage a portfolio of high-risk and complex mortgage accounts, overseeing arrears, litigation, repossession, and shortfall recovery from start to finish.
- Contact customers in late arrears and pre-litigation to resolve overdue balances, fees, and charges, providing support to vulnerable clients where needed.
- Initiate and manage legal proceedings, including County Court Judgments (CCJs), Possession Orders, and Charging Orders, ensuring compliance and best practice.
- Liaise with solicitors, asset managers, debt recovery agents, and other external partners to drive efficient and effective recovery outcomes.
- Lead post-repossession processes, including property sale oversight, accurate shortfall calculation, and fair recovery strategies.
- Ensure all recovery activities comply with FCA regulations, MCOB, the Consumer Credit Act, and internal governance standards.
- Advise on high-risk or complex cases and act as an escalation point, contributing to litigation strategy and risk management.
- Support continuous improvement by contributing to internal policy development and process enhancement initiatives.
Experience and skills required for the role of Special Servicing and Recovery Specialist:
- Mortgage arrears management, including recovery, litigation, and shortfall management.
- Strong knowledge of FCA guidelines (especially MCOB) and Treating Customers Fairly (TCF) principles, including support for vulnerable customers.
- Experience managing full lifecycle cases, from arrears to legal escalation and post-possession shortfalls.
- Proven ability to liaise effectively with solicitors, courts, and external agents.
- Strong understanding of UK mortgage possession and debt recovery regulations.
- Excellent negotiation, decision-making, and communication skills, including drafting legal instructions and case summaries.
- Attention to detail and strong financial acumen.
For more information regarding the role of Special Servicing and Recovery Specialist, please get in touch with us.
Stellar Select is acting as an employment agency and is a corporate member of the REC.
Due to a high volume of applications, we will only contact you if your application has been successful. We aim to contact all successful contacts within two business days.
Special Servicing and Recovery Specialist employer: Stellar Select Limited
Contact Detail:
Stellar Select Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Special Servicing and Recovery Specialist
✨Tip Number 1
Network like a pro! Reach out to your connections in the mortgage and recovery sectors. Attend industry events or webinars to meet potential employers and get your name out there. Remember, it’s all about who you know!
✨Tip Number 2
Prepare for interviews by researching the company and its values. Understand their approach to customer outcomes and compliance with FCA regulations. This will help you tailor your answers and show them you’re the perfect fit for their team.
✨Tip Number 3
Practice your negotiation skills! As a Special Servicing and Recovery Specialist, you’ll need to demonstrate strong decision-making abilities. Role-play common scenarios with a friend to build your confidence before the big day.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive and engaged with our platform. Let’s get you that dream job!
We think you need these skills to ace Special Servicing and Recovery Specialist
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Special Servicing and Recovery Specialist role. Highlight your experience in mortgage arrears management and any relevant legal knowledge. We want to see how your skills match what we're looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about this role and how your background makes you the perfect fit. We love seeing genuine enthusiasm, so let your personality come through!
Showcase Relevant Experience: When filling out your application, be sure to showcase your experience with complex mortgage cases and any successful recovery strategies you've implemented. We’re keen on seeing how you’ve made an impact in previous roles!
Apply Through Our Website: Don’t forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it’s super easy and straightforward!
How to prepare for a job interview at Stellar Select Limited
✨Know Your Stuff
Make sure you brush up on your knowledge of mortgage arrears management and the relevant FCA guidelines. Being able to discuss specific cases or scenarios you've handled will show that you’re not just familiar with the theory but have practical experience too.
✨Showcase Your Communication Skills
As a Special Servicing and Recovery Specialist, you'll need to liaise with various stakeholders. Prepare examples of how you've effectively communicated with solicitors, clients, or external partners in the past. This will demonstrate your ability to navigate complex conversations.
✨Prepare for Scenario Questions
Expect questions that put you in hypothetical situations related to arrears management or legal proceedings. Think through your approach to resolving issues, especially with vulnerable clients, and be ready to articulate your thought process clearly.
✨Highlight Your Team Spirit
This role is all about collaboration, so be prepared to discuss how you’ve worked within a team to achieve common goals. Share specific examples where your contributions led to successful outcomes, showing that you value teamwork and support.
