Job title: Home Finance Adviser - Direct Home Finance

Closing date: 17 March 2025

Key responsibilities

• To source and progress Regulated (Home Purchase Plan) and Non-Regulated (Buy to Let) home finance applications through to completion and Working within the agreed SLAs.
• The role holder is responsible for making suitable recommendations to the Bank’s credit function to enable growth of the Home Finance book in line with business strategy, whilst ensuring that all finance applications are completed within policy and criteria.
• Generate telephone appointment activity in order to achieve new business goals, tracking potential customers and following up on enquiries.
• Recommend the most suitable product, term, and payment method to suit the customer’s needs, priorities, and circumstances.
• Provide a high-quality service to customers in a compliant manner.
• Achieve and maintain competence to ensure continued professional development. Complete extensive due diligence on home finance applications adopting a host of credit assessment skills to recommend the basis on which risk is taken.
• Development of existing customer relationships to ensure business retention and growth.
• To achieve set individual targets in a variety of areas and to contribute towards the overall performance of the Commercial and Home finance business, whilst minimising the risk of losses.
• Work alongside the Home Finance BDMs.
• Provide ongoing MI, tracking lead source and outcomes.
• Ensure that market, sector, and Regulatory knowledge is continuously developed and maintained.
• Understand and abide by the principles of Conduct Risk, Treating Customers Fairly and Consumer duty rules.
• Any other duties commensurate with the grade and level of responsibility of this post, for which the post holder has the necessary experience and/or training.
• Working within the agreed SLAs

Senior Managers and Certification Regime

This role is in-scope of the Regulators’ Senior Manager and Certification Regime. As such the jobholder will be assessed and certified annually.

Your role as Home Finance Adviser – Direct Home Finance is a certified function. You are therefore required to discharge the following governance responsibilities:

Regulatory status: Certified

To maintain the required levels of fitness and propriety to meet regulatory requirements.

Skills required

• Previous experience in a Home Finance advisory capacity.
• Experience within the specialist Buy to Let Home Finance sector.
• A detailed understanding of banking credit processes.
• Proven ability to extract key financial information for individuals, partnerships, and companies.
• Excellent telephone manner.
• Computer literate with an ability to work with common IT platforms.
• Team player and excellent relationship builder.
• Driven, self-motivated and enthusiastic.
• Advanced understanding of Home Finance products (inc. Secured Financing).
• Risk awareness.
• Regulatory standards awareness.
• Working collaboratively with key stakeholders within the bank.
• CeMap or equivalent.

Beneficial skills

• Understanding of Shariah Banking.
• Competent adviser status

About us

Founded in 2007, we are a challenger bank that operates in accordance with Shariah principles, with offices in London, Milton Keynes and Wilmslow. We offer personal and corporate savings products and finance for UK residential property, in addition to sourcing and advising on UK real estate investments.

Additional Details:

We offer a highly attractive reward package; the typical benefits include:

• 25 days holiday entitlement increasing with service
• Pension plan
• Private medical insurance
• Group dental insurance
• Income protection
• Life assurance
• Employee referral bonus

Gatehouse Bank is an equal opportunities employer and positively encourages applications from suitably qualified and eligible candidates regardless of sex, race, disability, age, sexual orientation, gender reassignment, religion or belief, marital status, or pregnancy and maternity.

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