Handelsbanken
Mortgage Advisor - North West and North Wales
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Job Introduction
Handelsbanken offers a genuinely different approach to banking. We are a local relationship bank providing bespoke, customer-led banking and wealth management services for personal and corporate customers.
Our branch teams build trusted, long-term relationships with customers in their local communities. With our decentralised ways of working, decisions are made in the branch, close to the customers. Teams decide who they work with and how best to support them, without short-term sales targets or bonus-driven incentives. Instead, we focus on doing what is right for the customer, even when that means prioritising long-term value over short-term profit.
This approach has underpinned our success for decades. Today, Handelsbanken holds the strongest credit rating among its peer banks, is independently recognised as Europe’s safest commercial bank, and is consistently ranked highly for customer satisfaction and relationship banking.
Our culture is values-led, shaped by trust, respect, and long-term thinking. We empower our people to use their expertise, make confident decisions and build long-term careers. We look for people who share our long-term vision, want to grow and want to make a meaningful impact in their local community and with the Bank.
Check our Handelsbanken website for further information.
The opportunity
We are looking for a Mortgage Advisor to join the Mortgage Advisory team within the South West and South Wales district.
The job holder will work within a district team of Mortgage Advisors to provide a comprehensive mortgage advisory service to Handelsbanken customers in accordance with the Bank's Credit Policy, ensuring lending decisions are within the lending discretion awarded by the Branch Managers in the District.
Reporting to the Lead Mortgage Advisor, the Mortgage Advisor is responsible for carrying out all required regulatory aspects relating to new Regulated Mortgage Contract (RMC) cases as well as associated administrative actions. They are also responsible for undertaking other aspects relating to the lifecycle of an RMC such as interest only reviews and end of benefit cases etc...
The key stakeholders for the role are the Branch Managers, Private Banking Managers, UKBB-M, Credit, Finance, Risk, Compliance and Internal Audit.
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Role
This is a hybrid role and the job holder would ideally be based within commuting distance to one of these branches:
- Manchester
- Bolton & Wigan
- Chester
- Warrington
- Liverpool
- Altrincham
- East Lancashire
- Fylde Coast
Key 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.
- A demonstrable understanding of the products offered by Handelsbanken and a good understanding of competitor products, relevant industry and market driven trends.
- 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.
- Supporting Branches (when required) to manage arrears and forbearance cases.
- Processing end of benefit (EOB) cases, contract variations, interest only reviews and later life reviews as necessary.
- Operates in line with the Bank's Risk Management framework (including sub-frameworks) and relevant risk and compliance policies and procedures, ensuring appropriate and timely escalation of any concerns to their line manager.
What we’re looking for
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…
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- CeMAP qualified
- Excellent customer service skills
- Good understanding of the Bank’s credit processes and personal customer product offering.
- Attention to detail and a methodical approach.
- Good knowledge of Microsoft office tools, especially Excel, Access and Power Point
- Structured work practice and a strong sense of administrative order
- Excellent verbal and written communication skills
- Ability to build strong professional relationships at all levels and represent Handelsbanken effectively
- Interpersonal skills and the ability to work well with impact with people at all levels
- Integrity and discretion
Why join Handelsbanken
We want everyone at Handelsbanken to feel supported, motivated, and able to do great work. That’s why, alongside brilliant colleagues, meaningful work and training and development opportunities, we provide a variety of benefits designed with your wellbeing in mind.
In addition, there is a flexible benefits package with the key highlights detailed below.
Application next steps
Your journey with us begins once you have submitted your application. One of our Handelsbanken Talent Acquisition Partners 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.
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.
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.
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