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About the Company
Hampshire Trust Bank is a specialist bank, staffed by experts focused on helping UK businesses realise their ambitions. Our dedicated Development Finance, Wholesale Finance and Specialist Mortgages divisions ensure that businesses receive the outstanding service, lasting relationships, integrity and expertise they need to prosper. We also provide savings accounts to individuals and businesses and since we lend only to businesses, our savers can be sure their money will be used to boost the British economy. The bank is authorised by the Prudential Regulation Authority and regulated by the Prudential Regulation Authority and the Financial Conduct Authority. The working pattern of this role is hybrid, with an expectation to be in the office 50% of the time. For more information, please visit our website: www.htb.co.uk.
Our Values and Behaviour
All members of the HTB team are expected to demonstrate values and behaviour that underpin everything that we believe in
Specialist Customer Focus
We engage with customers to understand their needs and we respond by delivering specialist, high quality solutions.
- We listen to our customers and learn from what we hear and act accordingly.
- We are thoughtful and considered about the solutions we deliver.
- We prioritise good customer outcomes.
- We understand and respond to the distinct needs of each customer.
Delivering Excellence
We uphold excellent standards in all our operations and processes to ensure consistency and accuracy in every transaction.
- We lead with clarity and purpose.
- We embrace change and we adapt.
- We take pride in doing a good job.
- We embrace an ‘Even Better’ mindset and strive for continuous improvement.
Unwavering integrity
We act with integrity. We embrace both the spirit and the letter of the legal and regulatory standards. We recognise the value they add.
- We do the right thing.
- We are transparent in all our dealings.
- We speak up when things are not right.
- We foster a culture of accountability and ownership, not blame.
Team HTB
We foster a respectful and inclusive culture where colleagues feel valued, empowered and heard.
- We lead by example where trust, respect and positive action is role modelled.
- We recognize others when they achieve and celebrate their success.
- We support each other – together we are stronger.
- We value diversity and we collaborate to achieve as one team.
About the Role
The Mortgage Processing Officer shall provide quality checking at key stages of the application process along with administrative assistance and support to the Specialist Mortgages Underwriting Team and to the Group’s broker partners to progress loan applications.
Responsibilities
- Ensure all data held on the origination system is of the highest quality for accurate reporting and future engagement with our customers and/or their affiliates.
- Undertake monthly reviews of new applications set-up, formal offers, data accuracy on origination systems and completions.
- Ensure timely completion of monthly audits.
- Identify any potential risk(s) and ensure these are addressed accordingly.
- Evaluate telephone calls monthly, or by management’s request, to ensure the highest standards of customer service are maintained and delivered to our customers and their affiliates.
- Communicate feedback accurately, concisely, and constructively.
- Conduct and complete an initial review of documentation received, ensuring all required items and documentation have been provided and are satisfactory.
- Ensure all required credit, AML, and Land Registry searches (together with any other documentation as required) are completed accurately and are attached to the case for underwriting assessment(s).
- Updating searches in the event they expire during the process.
- Provide assistance with the valuation processes, updating the origination system as required and proactively chasing any requirements needed from valuers for the underwriter to proceed to offer.
- Ensure brokers receive excellent client service during the offer sanctioning process, providing regular updates, and proactively chasing requirements to support a swift turnaround for offer.
- Efficiently produce high quality and accurate mortgage documentation upon a loan being sanctioned.
- Manage all key data requirements, ensuring data entry are accurate and completing any remediation required.
- Accurately input appropriate data into the Phoebus system.
- Support the division with any general administrative needs as required.
Qualifications
- Previous experience within customer service or business support in an office environment.
- Demonstrable experience in a mortgage processing role with a lender or packager is desirable.
- Proficient using Microsoft Office packages (including Excel & PowerPoint).
- Good standard of education, including GCSE English and Maths at Grade C or above (or equivalent).
Required Skills
- Exceptional attention to detail, rigor, and accuracy.
- Excellent planning, organisation and interpersonal skills.
- Self-awareness and resilient.
- Portrays risk awareness through curiosity and questioning.
- Willingness to learn and develop new skills.
- A self-starter with a high level of initiative and professionalism.
- A team player willing to go beyond the norm to deliver to exemplary standards.
Preferred Skills
- Experience in a similar role within the financial services sector.
- Knowledge of mortgage products and processes.
