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Senior Compliance Review Officer

Kind Consultancy is working with a national Financial Services network which is currently seeking a Senior Compliance Review Officer to join them in a full-time, permanent role based in their East Midlands offices, paying up to £35,000 with a hybrid work model.

The Senior Compliance Review Officer will assess complex client files to ensure compliance with regulations and company standards, with key responsibilities including:

  • Monitoring and maintaining FCA guidelines and regulatory obligations.
  • Ensuring the organisation’s standards are adhered to by Appointed Representatives and their Advisers, as per internal sales processes and procedures.
  • Conducting desk-based checks to ensure complete sales documentation for mortgage product sales have been uploaded to the appropriate CRM system.
  • Conducting desk-based analysis of mortgage recommendations which includes specialist area products such as Lifetime Mortgages, and insurance product recommendations and sales documentation issued by Appointed Representatives and their Advisers.
  • Acting as a point of contact providing support to staff and Appointed Representatives where escalation is needed for queries on more complex cases.
  • Mentoring co-workers providing guidance, advice, feedback and assist in the growth and development of others.
  • Producing reports and maintaining records of analysis as specified by the Internal Compliance Manager, Head of Operational Compliance and/or the Compliance Director.
  • Providing appropriate guidance to Appointed Representatives, their Advisers and their employees where routine monitoring identifies scope for improvement or where assistance has been requested.
  • Reporting any wilful and uncorrected deficient advice and/or documentation and agreeing appropriate remedial action.
  • Maintaining ongoing competency through development of personal training plans in conjunction with the Internal Compliance Manager.

Our ideal candidate:

  • Is CeMAP and CeRER qualified or equivalent
  • Has a minimum 2 years of experience in a similar role within regulated Financial Services.
  • Has experience of managing and reviewing more complex case files
  • Is willing to undertake training to increase knowledge in specialist area products such as Lifetime Mortgages
  • Has good knowledge of systems of control and able to follow clearly defined procedures
  • Demonstrates excellent verbal and written communication skills
  • Has a good grounding in and understanding of working within a Regulatory environment, including demonstrable supervisory and leadership skills
  • Is able to facilitate and deliver appropriate training, liaising with the training manager where necessary
  • Has good computer skills including Microsoft Office suite

If you have the skills, knowledge, experience and qualifications we’re looking for and you’re interested in the Senior Compliance Review Officer role, please apply with an updated CV today.

Compliance Review Officer – Financial Promotions

Kind Consultancy is working with a national Financial Services network which is currently seeking a Compliance Review Officer to work on Financial Promotions in a full-time, permanent role based in their East Midlands offices, paying up to £26,000. After a fully in-office probation period of 6 months, this role will move to a hybrid model with 2 days per-week working from home.

The Compliance Review Officer will ensure compliance with regulatory requirements within the network, providing and recording approval to appointed representative firms in respect of stationery, financial promotions and other customer facing materials, with key responsibilities including:

  • Maintain records of member firms’ financial promotions on the network systems, cross reference with a database and scheduling appropriate reviews
  • Delivering compliance controls including carrying out spot checks of websites, emails, banners, advertisements, and social media
  • Assessing and carrying out desk-based reviews of representative firms’ financial promotions, within agreed service levels and recommendations made where appropriate – including documenting all details of the planned financial promotion and ensuring feedback is followed up until fully completed.
  • Providing appropriate and constructive feedback to members where areas for improvement are identified, i.e., setting up marketing campaigns and ensuring clear, fair, and not misleading
  • Reporting any areas of risk identified to the line manager and agreeing remedial action where appropriate
  • Producing MI reports
  • Maintaining records of all decisions concerning financial promotions.
  • Reporting any breaches in line with the network policy, ensuring a record is held on file
  • Providing training of financial promotions to team members

Our ideal candidate for the Compliance Review Officer – Financial Promotion role:

  • Holding CeMAP (or equivalent) is not essential but would be highly desirable
  • Has a good knowledge of the FCA Handbook and Financial Promotion requirements and other relevant legislator requirements for Financial Promotions i.e., codes from ASA, telecommunications regulations.
  • Has 2 or more years of experience in similar positions within Financial Services
  • Displays excellent verbal and written communication skills, with good presenting skills
  • Has a good understanding of the legislative frameworks that financial services operate i.e., DPA 2018, FSMA, etc.
  • Demonstrates strong time management and organisational skills
  • Is competent with Microsoft office suite i.e., excel, word, PowerPoint etc

If you’re interested in the Compliance Review Officer – Financial Promotions opportunity, you have the skills, knowledge and experience we’re looking for and you’re based in or can commute to the East Midlands, please apply with an updated CV today.

2nd Charge Underwriter

Kind Consultancy is working with a specialist mortgage lender which is currently seeking a 2nd Charge Underwriter to join them in a full-time, permanent role based in their Hertfordshire office, paying up to £45,000.

The 2nd Charge Underwriter will underwrite 2nd Charge Mortgage applications in accordance with the firm’s lending criteria, policies and procedures, with key responsibilities including:

  • Underwriting and assessing loan documentation, including valuation reports and requesting additional information from brokers where required, highlighting any concerns
  • Carrying out checks on the applicants and properties and assessing their suitability for the loan applied for
  • Proactively managing a pipeline of mortgage applications which will include chasing outstanding information from third parties and providing timely updates to introducers which will help ensure service excellence is maintained
  • Recommending and referring cases to Credit Committee where credit committee approval is required.
  • Liaising with introducers, valuers and solicitors
  • Overseeing cases from inception through to completion

Our ideal candidate for the 2nd Charge Underwriter opportunity:

  • Demonstrates a strong understanding of FCA regulation
  • Has significant experience underwriting mortgage applications, specifically with 2nd Charge exposure.
  • Holding CeMAP is not essential but would be desirable
  • Is well organised with exceptional attention to detail
  • Works well as part of a team
  • Is highly articulate with good written and verbal communication skills

If you’re interested in the BTL Underwriter role and you have the relevant knowledge, skills and experience and live in or can commute to Hertfordshire, please apply with an updated CV today.

Senior BTL Underwriter

Kind Consultancy is working with a specialist mortgage lender which is currently seeking a Senior BTL Underwriter to join them in a full-time, permanent role based in their Hertfordshire office, paying up to £50,000.

The Senior BTL Underwriter will take ownership of allocated Buy-to-Let cases from inception through to completion, underwriting, maintaining and managing a pipeline of complex and high value cases, through to offer, with key responsibilities including:

  • Assessing applications that have been referred for approval by Underwriting Case Managers
  • Documenting rationale as to why a case should or should not be offered
  • Providing real time feedback to the Underwriting Case Managers on a case by case basis and also providing daily, weekly and monthly reporting to the line manager.
  • Underwriting and assessing loan documentation, including valuation reports and requesting additional information from brokers for complex and high value cases where required, highlighting any concerns
  • Carrying out checks on the applicants and properties and assessing their suitability for the loan applied for
  • Proactively chasing outstanding information from third parties and sharing timely updates to introducers to enable service excellence
  • Recommending and referring cases to the relevant mandate holders for approval
  • Liaising with introducers, valuers and solicitors
  • Overseeing cases from inception through to offer
  • Updating all relevant systems to maintain management information

Our ideal candidate for the Senior BTL Underwriter opportunity:

  • Has a good understanding of business risk
  • Has significant experience within the secured lending sector underwriting mortgage applications, specifically within the Buy to Let market.
  • Demonstrates a good understanding of the underwriting process, with previous experience of managing a caseload and assessing cases for approval in a fast-paced environment
  • Holding CeMAP would be desirable but is not essential
  • Has very good organisational, analytical and time management skills
  • Displays excellent verbal & written communication skills
  • Is a competent user of Microsoft office software
  • Has consistently excellent attention to detail

If you’re interested in the Senior BTL Underwriter opportunity, you have the necessary skills, knowledge and experience and you’re based in or can commute to Hertfordshire, please apply with an updated CV today.

BTL Underwriter

Kind Consultancy is working with a specialist mortgage lender which is currently seeking a BTL Underwriter to join them in a full-time, permanent role based in their Hertfordshire office, paying up to £45,000.

The BTL Underwriter will underwrite buy-to-let loan applications in accordance with the firm’s lending criteria, policies and procedures, with key responsibilities including:

  • Underwriting and assessing loan documentation, including valuation reports and requesting additional information from brokers where required, highlighting any concerns
  • Carrying out checks on the applicants and properties and assessing their suitability for the loan applied for
  • Proactively managing a pipeline of mortgage applications which will include chasing outstanding information from third parties and providing timely updates to introducers which will help ensure service excellence is maintained
  • Recommending and referring cases to Credit Committee where credit committee approval is required.
  • Liaising with introducers, valuers and solicitors
  • Overseeing cases from inception through to completion

Our ideal candidate for the BTL Underwriter opportunity:

  • Demonstrates a strong understanding of FCA regulation
  • Has significant experience underwriting mortgage applications, specifically within the BTL market.
  • Holding CeMAP is not essential but would be desirable
  • Is well organised with exceptional attention to detail
  • Works well as part of a team
  • Is highly articulate with good written and verbal communication skills

If you’re interested in the BTL Underwriter role and you have the relevant knowledge, skills and experience and live in or can commute to Hertfordshire, please apply with an updated CV today.

Residential Mortgage Underwriter

Kind Consultancy is working with a specialist mortgage lender which is currently seeking three Residential Mortgage Underwriters to join them in full-time, permanent roles based in their Hertfordshire office, paying up to £42,500.

The Residential Mortgage Underwriter will take ownership of allocated cases from inception through to completion, with key responsibilities including:

  • Entering and updating borrower data on lending platform.
  • Ensuring all aspects of the loans are recorded accurately on lending platform and meet underwriting guidelines.
  • Carrying out an assessment of the mortgage applications to ensure all aspects of underwriting criteria are met.
  • Providing concise and accurate updates to brokers.
  • Proactively chasing brokers for outstanding requirements.
  • Ensuring all underwriting is in line with Company policy and within regulation.
  • Ensuring that all cases are Underwritten within the Groups Risk appetite.
  • Building good relationships with 3rd party suppliers including brokers and solicitors to assist in the smooth flow of business.
  • Maintaining a pipeline of cases, overseeing cases from inception through to completion.
  • Maintaining broker relationships that are integral to business growth.

Our ideal candidate for the Residential Mortgage Underwriter opportunity:

  • Has a good understanding of FCA regulation.
  • Is experienced in Underwriting 1st and/or 2nd Charge mortgage applications.
  • Holding CeMAP would be desirable but is not essential
  • Displays consistently strong attention to detail.
  • Has good written and verbal communication skills.

If you’re interested in the Residential Mortgage Underwriter opportunity, you have the necessary skills and experience, and you live in or can commute to Hertfordshire, please apply with an updated CV today.

Telephone Business Development Executive

Kind Consultancy is working with a specialist lender which is currently seeking a Telephone Business Development Executive to join them in a full-time, permanent role in their Hertfordshire office, paying up to £35,000 with an annual OTE circa £50,000.

The Telephone Business Development Executive will be support a field based BDM and TBDM to hit Buy to Let and Bridging targets through proactive telephone contact with intermediaries within your allocated region, with key responsibilities including:

  • Creating, managing and developing relationships with introducers to achieve new business targets.
  • Building knowledge of the organisation’s BTL and Bridging products, criteria, process and USPs and maintaining your understanding of the products to be able to assess enquiries, produce terms and progress these into applications within SLA’s.
  • Working alongside the regional field BDM and TBDM to maintain relationships with intermediaries within the region in order to maximise sales opportunities.
  • Speaking to introducers and handling new business enquiries.
  • Ensuring that the CRM system is kept up to date, accurately recording all discussions and activities.
  • Ensure that all intermediaries are updated about new products and features.
  • Developing and maintaining knowledge of competitors and their products and criteria, and of the wider market
  • Proactivity calling new/existing/lapsed intermediaries to engage them with BTL & Bridging products
  • Following up on terms issued (bridging) and deals agreed (BTL) within SLA in order to progress them into applications, handling objections in order to win the deal
  • Making introductions to new firms registering via broker support, ensure they are aware of key contacts for enquiries/support in that region
  • Keeping intermediaries informed on changes to our BTL & Bridging products, including but not limited to criteria, pricing, processes via telephone or email
  • Assessing enquiries via telephone and email and identify sales opportunities, referring to relevant stakeholders in order to produce terms/quotes

Our ideal candidate for the Telephone Business Development Executive opportunity:

  • Has past experience of working for a Specialist Lender within Financial Services, preferably with Buy-to-Let and/or Bridging exposure
  • Has past experience of Sales work
  • Has excellent communication skills including a highly professional telephone manner
  • Is analytically minded, and able to present complex information in a clear, interesting way for a variety of audiences
  • Is highly organised with strong admin skills
  • Is a team-player with a track-record of building strong working relationships

If you’re interested in the Telephone Business Development Executive opportunity, you have the necessary skills, knowledge and experience, and you’re based in or can commute to Hertfordshire, please apply with an up to date CV today.

Senior Credit Underwriter

Kind Consultancy is working with a well-established Retail Financial Services business which is currently seeking a Senior Credit Underwriter to join them in a full-time, permanent role, paying up to £70,000 with a hybrid work model based out of their offices in the East Midlands.

The Senior Credit Underwriter will assess the credit and risk profiles of customers within the Pensions, Professions and Real Estate markets, with key responsibilities including:

  • Conducting analysis and recommending sanctions, determining the acceptability of proposals and providing recommendations or alternative solutions where appropriate that satisfy customer needs and meets business objectives.
  • Conducting independent assessments of each case and preparing the relevant documents for an informed decision to be made.
  • Ensuring the main influencing factors and sanctioning analysis are all accurately recorded when reaching proposal recommendations and decisions.
  • Facilitating business development efforts through a proactive approach to credit proposals, ensuring opportunities are maximised.
  • Ensuring that facilities have had the correct legal documents issued, that they are executed correctly and that all legal formalities including, where appropriate, the giving of independent legal advice, have been effectively completed.
  • Undertaking line management as agreed with the Director of Credit, including supervising the day-to-day activities of assigned team members so that their individual and collective performance meets the required standards, contributing to their development and providing ongoing support as required.
  • Communicating relevant information to team members, senior management and other interested parties ensuring essential features of the situation are understood, enabling informed decisions to be taken where appropriate.
  • Proactively reviewing credit processes and recommending changes that will deliver enhanced operational efficiency.

Our ideal candidate for the Senior Credit Underwriter opportunity:

  • Has significant previous experience as a Credit Underwriter
  • Has excellent analytical and problem-solving skills
  • Has knowledge of the relevant rules under the Financial Services Acts
  • Demonstrates a wide knowledge of the commercial environment and sector specialism including pensions, real estate lending and the SME market, and an understanding of financial management and wider management principles and techniques
  • Possesses a good level of financial and commercial awareness
  • Has a good understanding of Conduct Risk and Treating Customers Fairly requirements relevant to credit operations.
  • Is able to interpret and implement relevant guidance, ensuring compliance and due regard is paid to the interests of customers and customers are treated fairly.
  • Is highly organised and demonstrates excellent communication skills, in both writing and speech

If you’re interested in the Senior Credit Underwriter position, you have the necessary skills, knowledge and experience and you live in or can commute to the East Midlands, please apply with an updated CV today.

Loans Advisor

Kind Consultancy is working with a leading loans company which is seeking a Loans Advisor to join their South Yorkshire office in a full-time, permanent role paying up to £28,000 with an annual OTE of £40,000.

As a Loans Advisor, you will provide expert advice and bespoke solutions to clients, packaging loan applications through to completion while ensuring full regulatory compliance. You’ll be responsible for understanding clients’ needs, assessing their financial situation, and delivering exceptional customer service. Achieving monthly targets and maintaining up-to-date knowledge of loan products and industry trends will be crucial to your success in this role.

For the Loans Advisor role, we’re looking for candidates who:

  • Are passionate about developing a “can do” culture to optimise output, performance, and customer outcomes.
  • Demonstrates outstanding communication skills and strong organisation skills, with excellent time management and the ability to prioritise task in a fast-paced environment.
  • Have the confidence to effectively question and challenge lender requirements.
  • Holding CeMAP would be desirable but is not essential

If you have relevant experience, are based in South Yorkshire and are interested in the Loans Advisor position, please apply with an updated CV today.

Senior Mortgage Services Officer

Kind Consultancy is working with a well-established Retail Financial Services organisation which is currently seeking a Senior Mortgage Services Officer to join their team in the Bristol area for a permanent, hybrid role paying up to £35,000.

The Senior Mortgage Services Officer will focus on processing applications from offer to completion, while providing exemplary customer service, with key responsibilities including:

  • Ensuring daily tasks are performed by the Post Offer team within appropriate timescales, implementing a weekly rota
  • Processing all mortgage completions, ensuring effective and timely communication with Solicitors and direct customers, while meeting SLA’s.
  • Undertaking stage releases and retention releases,
  • Handling complaints within the required timescales
  • Actively managing arrears cases by way of written and verbal communication with the borrowers, agreeing forbearance where suitable and instructing litigation where necessary.
  • Identifying and monitoring vulnerable customers, maintaining records as appropriate.
  • Liaising with relevant members of the executive team in respect of longstanding and higher profile/value cases including meeting with the borrowers where beneficial.
  • Attending Credit Committee to present the arrears data
  • Enacting all aspects of account updates
  • Ensuring procuration fee payments are remitted accurately and swiftly.
  • Ensuring all the required documentation has been provided that confirms the organisation’s charge is in place.
  • Maintaining accurate records within core systems and the document repository.
  • Ensuring Packagers, Brokers and Direct Customers are provided with a high level of quality service and kept informed at every stage of the process.
  • Liaising with the sales teams to ensure a smooth customer journey.
  • Ensuring the pipeline is accurately maintained, and any applications to be cancelled are actioned promptly.

Our ideal candidate for the Senior Mortgage Services Officer opportunity:

  • Must hold a full CeMAP qualification. (Holding CeRER as well would be desirable)
  • Demonstrates a solid understanding of Financial Accounts.
  • Has strong analytical and numerical skills with the ability to collate and interpret multiple, sometimes complex, supporting documents.
  • Is confident in decision making including the ability to balance risk and reward.
  • Is able to produce written presentations
  • Can communicate and present information effectively to internal stakeholders including the CEO.
  • Displays excellent written and oral communication skills.

If you’re interested in the Senior Mortgage Services Officer, and you have the skills, knowledge and experience we’re looking for, please apply with an updated CV today.

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