Job Description

Join our Team

Scottish Building Society is a modern mutual lender with big ambitions. While we are proud to be the oldest remaining Building Society in the world founded in 1848, we're anything but traditional in how we think and operate. Since 2020 we've grown our mortgage book by 72% and doubled our balance sheet, while investing in market leading technology like MSO to transform our broker journeys.

We are consistently rated highly by brokers and customers alike, with top tier Net Promoter scores and industry leading satisfaction ratings which is a testament to the strength of our service and our people.

Our mutual status means we are owned by and run for our members not external shareholders, so we reinvest in what really matters which is long term member value, innovation and a motivated and engaged team. We are connected to the communities we serve and have built a team that share our collective ambition to be the UK's most admired Building Society.

We are on a transformational journey and looking for driven individuals who want to be part of something ambitious. Our culture is friendly, open and inclusive but also dynamic, forward looking and commercially sharp. If you are looking for a place where you can truly make an impact and grow, we'd love to hear from you.

The Opportunity

The Mortgage Advisor, reporting to the Mortgage Advice Manager, will be responsible for providing mortgage advice to both existing and new members, supporting our retention strategy, and preparing mortgage applications for underwriting. Additionally, the Mortgage Advisor will maintain and develop good working relationships with market intermediaries.

This role also involves managing the front and backbook sales customer journey by effectively communicating and engaging with customers. This ensures that customers can make informed, timely decisions about financial products and services, and take responsibility for their actions and decisions, including those with characteristics of vulnerability.

The role will be based at our Head Office in Edinburgh and has the ability to be worked on a hybrid basis, with time spent between the office and home.

Key Responsibilities

Mortgages

Ensure all regulatory requirements and Society lending criteria are met Conduct mortgage interviews Process and package mortgage applications Ensure process for retention of existing customers is delivered Process additional borrowing requests Contribute to the achievement of Society mortgage targets through excellent knowledge and customer service

Customer Service

Provision of excellent service via Face to Face, Telephony and Digital , by putting consumers at the heart of the business by focussing on delivering good outcomes for customers. Professionally manage customer complaints Assist and support existing borrowers Collaborate as part of the wider Relationship Centre team to support both colleagues and members.

Relationship Management

Ensure a profitable working relationship with and provide advice and information to all business contacts Proactively maximise opportunities

Other

Comply with the requirements of the Senior Managers & Certification Regime Maintain personal development as stipulated by CIOBS Ensure a sound and up to date knowledge of the current mortgage market is maintained Evaluate existing practices and methods to ensure continual improvement whilst delivering a frictionless journey for our customer. Suggest new channels and methods for maximising opportunities to obtain direct business and referrals Maintain databases and spread sheets accurately Ancillary administrative duties as required Project work and testing as required Promote Society products Participate in the training and mentoring of staff Improve procedures and processes for the benefit of the customer Consider the outcomes that our customers are experiencing in practice, through customer feedback, and highlight areas of any risks to the Mortgage Operations Manager to achieve good customer outcomes Cross-skill as required
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

Delivery of excellent customer service across the Societies branches. Delivery of mortgage change initiative Multi-skilled society colleagues fulfilling responsibilities set out within individual s Mortgage Adviser T&C scheme sign offs with appropriate supporting evidence Positive results and feedback resulting from 2nd and 3rd line reviews

Skills & Capabilities for the role

Qualifications:

Preferably educated to 'Higher' level CeMAP/ MAPC CeRER (desired however not essential)

Experience required:

Knowledge of the regulatory environment and mortgage market Previous recent experience as a Mortgage Advisor

Behaviours:

Professional and ethical Strong interpersonal relationships Able to work with minimum supervision and to deadlines Willing to take on responsibility and accountability Ability to consider the needs, abilities and personalities of others Willing to work as part of a team and involve others Positive approach

Essential skills:

Accuracy and attention to detail Ability to work effectively on own and in a team environment Excellent numeric abilities Good listening skills Good verbal and written communication skills Customer service orientation Time management Problem solving Honesty and integrity Comfortable with using Microsoft Office programmes
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 Type: Full-time

Benefits:

Company pension Employee discount Health & wellbeing programme Life insurance Private medical insurance Referral programme
Application question(s):

What is your salary expectations coming into a role of this nature? Do you have a CeMap qualification and the necessary practical experience as a Mortgage Advisor? Do you live within commutable distance to one of our 6 office locations in Scotland?
Work authorisation:

United Kingdom (required)
Work Location: Hybrid remote in Edinburgh EH11 2EF