Mortgage Administrator (Edinburgh) Edinburgh, Scotland
Job description
Join our Team
Scottish Building Society is a mutual building society, which means we are owned by and run for our members. Although you may not have heard about us, we are the oldest remaining building society in the world. We started life in 1848 as the Edinburgh Investment Company. We help people save and buy their first and subsequent homes throughout their lives. We are a dedicated team focused on growing the Society whilst not losing sight of our values.
At SBS, our people are our most important asset - we couldn’t offer such a personalised service without them. We are connected into the communities our colleagues live and work in, and we strive to have a workforce that is representative of our members.
We are keen to recruit talented individuals who are interested in joining a company in which they can really make a difference. Our culture is friendly, open and inclusive where we actively encourage everyone to bring themselves to work. If you choose to join our team, you’ll find a great workplace and opportunities to develop and grow. We are currently on an exciting transformative journey, which the successful applicant would be part of.
The Opportunity
Reporting to the Mortgage Operations Manager, the Mortgage Administrator will provide support to the Society’s Customers, Brokers and Mortgage Underwriters and Mortgage Processing team with the administrative processes relating to new mortgage business.
The fulfilment of general administrative duties in connection with the management of the Society’s mortgage portfolio post completion, including those customers with characteristics of vulnerability,ensuring that the interests of all customers are central to our culture and purpose and embedded throughout the organisation.
The Mortgage Administrator supports their customers in realising the benefits of the products and services they buy by acting in their interests without unreasonable barriers during the post sale completion process and ongoing administration of their Mortgage products.
There will be an initial requirement to work on site at our Head Office in Edinburgh for training, however following this the role can be worked on a hybrid basis with time spent between home and office.
Key Responsibilities
- Collation of underwriting requirements in connection with new mortgage applications.
- Provide excellent customer service to our Intermediaries, direct advisers and members on their mortgage journey.
- Assisting with the processing of on-line mortgage applications including the accurate keying of data to the Society’s systems as required.
- Provide updates as necessary to relevant parties as to the progress of mortgage applications,
- Production and issuing of mortgage offer documents to all relevant parties.
- Administering release of funds for new mortgage business to solicitors and borrowers.
- Review BACs processing report daily and action accordingly.
- Processing of documentation received by the Society in connection with the completion of new mortgage business.
- Process the transfer of customer files from activate to MSS5.
- Take fees and Instruct valuations and re inspections.
- Check payment for re inspection invoices and pass to finance for processing.
- Review Quest daily, print Valuations and send to Doc Assessors for processing.
- Check and execute legal documentation received by the Society in respect of the administration and redemption of mortgage accounts.
- Assist with the provision of Management Information to the Head of Operations as and when required.
- Assist with the maintenance of the Society’s Mortgage Manual and other Operations policy and guidance documents as required.
- Administration of Title Deeds and associated documents including completing standard and non-standard correspondence and documentation for issue to Solicitors and borrowers, making and receiving telephone calls in connection with queries of Title Deeds and associated documentation.
- Deal with maturing policies assigned to mortgage accounts. Execute legal documentation received by the Society in respect of administration of life policies, as directed by the Mortgage Operations Manager.
- Filing of Head Office paperwork in respect of mortgage accounts ensuring that the electronic customer system is accurately maintained.
- Deal with Procurement fee enquiries, maintaining records of payments.
- Support inbound telephony.
- Complete compliance training within the timescales stated.
- Support the update of introducer’s details on MSS5, Activate and MV.
- Deal with and resolve complex mortgage queries from customers.
- Prepare statements and Letters for the Housing Association quarterly returns.
This list is not exhaustive and the post holder is expected to carry out any other tasks that are required to fulfil the needs of the role. Management may add or subtract from the list of duties in order to meet the need of the business as they see fit and as per the terms and conditions of contract.
Measures of Success
- Satisfactory internal compliance and audit reports
- Satisfactory assesment of work accuracy by line manager
- Documents executed within expected timescales
- Adherence to Society’s service level requirements
- Productivity in line with expectations
Skills & Capabilities for the role
Essential experience:
- Mortgage Experience (Processing/Administration)
- Financial Services
- Strong communication & customer service skills
- Strong attention to detail
- Excellent organisational skills
- A confident, professional telephone manner
- The ability to work as part of a team
- PC skills including Word and Excel
Behaviours:
- Professional
- Ethical
- Good team worker
This list is not exhaustive, management reserve the right to amend the requirements as they see fit to ensure the post holder’s ability to fulfil the needs of the role.
PLEASE DO NOT APPLY FOR THIS ROLE UNLESS YOU HAVE RECENT DEMONSTRABLE AND RELEVANT EXPEREINCE.
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Job Types: Full-time, Permanent
Benefits:
- Company pension
- Life insurance
- Private medical insurance
Schedule:
- 8 hour shift
- Monday to Friday
Ability to commute/relocate:
- Edinburgh, EH11 2EF: reliably commute or plan to relocate before starting work (required)
Application question(s):
- Do you now or will you in the future require a VISA to work in the United Kingdom?
Work authorisation:
- United Kingdom (required)
Work Location: Hybrid remote in Edinburgh, EH11 2EF
Reference ID: SBS Mortgage Administration
