Job Introduction
Main Responsibilities
- Responsible for providing mortgage advice to Handelsbanken customers within a district.
- Demonstrating a sound understanding of, and an ability to work within the Bank's Credit Policy, ensuring lending decisions are within the lending discretion awarded by the Branch Managers in the District.
- The ability to interpret financial information provided by customers, evaluate lending propositions, assess & formulate risk ratings correctly and structure transactions.
- Using the appropriate Bank systems and using the Mortgage Keeper system to complete regulated mortgage paperwork/process.
- Being able to demonstrate an ability to identify and offer customers on a needs basis, the appropriate Handelsbanken product/s, whilst also being able to communicate succinctly all the relevant features, benefits and risks.
- Preparation of legal documentation for mortgages.
- Working with the rest of the District mortgage Adviser team to ensure the highest levels of (i) customer service, and (ii) Good Administrative Order.
- Full adherence to the RMC Responsible Lending Policy, the RMC Training & Competency Guide, The RMC Sales Process & Competence Guide. Ongoing assessment of competent mortgage observations and satisfactory file checks, liaison with Mortgage Support Team as required, to ensure adherence to the above.
Ideal Candidate
Research (by Harvard University) shows that women are particularly likely to second guess themselves and not apply - so if you are worried you don't meet all the criteria, get in touch anyhow and let us do the worrying…
- CeMAP qualified
- Excellent customer service, verbal and written communication skills with the ability to work well with impact with people at all levels
- Good understanding of the Bank’s credit processes and personal customer product offering.
- Good knowledge of Microsoft office tools, especially Excel, Access and Power Point
- Structured work practise and a strong sense of administrative order
- Ability to build strong professional relationships at all levels and represent Handelsbanken effectively
Company Information
Handelsbanken is a relationship bank with a decentralised way of working, a strong local presence thanks to a nationwide network of branches, and a long-term approach to customer relations. Each Handelsbanken branch operates as a local business enabling it to make decisions at a local level and provide a bespoke service. The focus is always on the need of the individual customer and not on the sale of specific products.
The Bank is deeply committed to embedding good equality and diversity practice into all of our activities. This is so that we are an inclusive, welcoming and inspiring place to work that encourages everyone to apply, regardless of socio-economic background, age, disability, pregnancy and/or parental status, race (including colour, nationality, and ethnic or national origin), veteran status, marital and civil partnership status, religion or belief, sex, gender reassignment or sexual orientation.
Check our Handelsbanken website for further information
At Handelsbanken, we deeply value our unique culture and values including trust in and respect for each individual. We take pride in nurturing a work environment where people flourish, and where they are empowered to take decisions in their areas of expertise. We take a long term perspective in everything we do and want each employee who joins us to build a long terms successful career with the Bank.
What is in it for you?
- We have a wide range of learning and development available, empowering and enabling our colleagues to take ownership of their own development.
- Competitive Salary and an extensive range of benefits is provided, including private medical insurance, income protection and life assurance
- A market-leading pension contribution of 15% paid by the bank, which can be invested in a wide range of funds (including ESG and Shariah funds)
Application next steps
Your journey with us begins once you have submitted your application. One of our Handelsbanken recruiters will be reviewing your details and will later organise a phone conversation if you match the role requirements. If there is a mutual fit, we will extend an invitation for you to participate in an interview.
The interview process will consist of a competency based interview.
How can we support you to be your best self? Our Talent Acquisition team will be happy to provide support e.g. if you need additional time to prepare for an interview or you have any requirements for any part of the interview/hiring process – just let us know by email uk_talent@careers.handelsbanken.co.uk.
This advert will be live for a minimum of two weeks. However, please note that after the two weeks, the closing date could change at any time depending on the number of responses received.
#LI-AF1