Mortgage and Protection Adviser

Mortgage and Protection Adviser

Chippenham

Monday – Friday - 37.5 hours a week

Salary is dependent on experience

We are currently recruiting for a Mortgage and Protection Advisor to join our client based in Chippenham.

Mortgage Sales

• Advise clients on the mortgage process by finding them the best deal.


• Actively take new leads by answering the phone and contacting Future Prospect’s


• Conduct a thorough first call and fact find with clients


• Ensure all technical jargon and choice explained to line in line with FCA regulation


• Research the Market Place for the best product for your client in accordance with their needs


• Give best advice on the most appropriate deal for the client


• Perform a recommendation (second) call with the client within 2-4 hours of first call


• Request documentation from the client in line with process


• Perform a full check that the documents are correct and abide by regulation and process


• Write, complete, and send suitability letter to client


• Actively chase all clients through to application


• Submit Mortgage Applications in a timely fashion

Protection Sales

• Advise clients on Personal Protection requirements


• Speak to all clients (source dependent) about Protection Cover


• Give all clients (source dependant) protection costings on the Mortgage recommendation email


• Conduct a thorough Personal Protection review


• Ensure all technical jargon and choice explained


• Research the Market Place for the next product for your client in accordance with their needs


• Give best advice on the most appropriate policies for the client


• Gather information required for application


• Perform a recommendation (second) call with the client within 2-4 hours of first call


• Gather information required for application from the client and once received, perform a full check that the documents are correct and abide by ML and company Process


• Actively chase all clients through to application


• Ensure Life Penetration to Mortgage is minimum 25%

Compliance & Other

• Work under the companies trading style 


• Send clients all regulatory disclosures and paperwork as required, in line with company procedures


• Follow company policies and procedures and keep abreast of any changes that are communicated to you from the Compliance department via email.


• Lead to recommendation conversions to be minimum 80%


• Lead to application conversions to be minimum 50%


• Aim to answer the phone within 3 rings

Minimum Qualifications and Skills List

Qualifications

Full CeMap level 3

CAS within 12 months of start date

Communication Skills

Communicate clearly and concisely, orally and in writing with clients, colleagues, and business contacts

Technical Skills

Good working knowledge of IT systems relevant to job role

Excellent product / industry knowledge

Adhere to company standards and procedures at all times including compliance regulations

Sufficient depth of technical knowledge to operate efficiently with a low level of supervision

A full understanding of the Mortgage & Protection Markets

Personal Responsibility and Drive

Prioritises effectively

Deadlines are met, and work is regularly error free

Make confident, effective decisions within scope of job role

Portrays a professional image at all times

Actively participates and co-operates with others

Builds effective relationships and contributes to team spirit

Negotiates effectively with colleagues and outside agencies

Excellent interpersonal skills

Developing Self and Others

Actively seeks opportunities for self-development

By applying for this role you give permission for Purely Recruitment to submit your personal information contained within your CV or any other relevant information provided in order for the prospective employer to review your application for the specific role applied for. Purely recruitment will not submit or use your personal information for any other purposes other than for searching for alternative employment.