Investec is a distinctive Specialist Bank serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues who'll think out of the ordinary and we put them in environments where they'll flourish. We combine a flat structure with a focus on internal mobility. If you can bring an entrepreneurial spirit and a desire to learn and collaborate to your work, this could be the boost your career deserves.
Research shows that some candidates can be reluctant to apply to a role unless they meet all the criteria. We pride ourselves on our entrepreneurial spirit here and welcome you to do the same – if the role excites you, please don't let our person specification hold you back. Get in touch!
Description of role and key responsibilities
As a Pre Offer Specialist within Private Client Lending Operations, you will be responsible for completing all due diligence on mortgages and loans in order to prepare them for offer. You will manage all cases from credit to offer, answering queries, reviewing documentation against regulatory and credit requirements and preparing the relevant loan documentation for the client.You will be expected to deliver a high quality of service to our clients, whilst building great relationships with our panel firms and internal stakeholders.
Managing a pipeline of cases pro-actively and efficiently to ensure cases are moving from credit to offer in a timely manner
Liaising with internal teams (banking and credit) to resolve any issues that arise throughout the pre offer process
Verifying client income documentation, as well as ensuring all regulatory documents have been obtained
Obtaining fee quotes and instructing panel valuers and solicitors
Ensuring all regulatory and credit requirements have been met prior to issuing a binding offer
Creating offers and other documentation for regulated mortgages, unregulated mortgages, unsecured loans and portfolio loans
Core skills and knowledge
• Do you have excellent knowledge of operational processes involved in mortgage and property lending?• Are you able to display sound knowledge of credit requirements and different security structures involved in retail lending?• Do you have the ability to balance client experience against business and operational risk?• Are you able to manage multiple deals and tasks in tandem?• CeMap qualification and knowledge of the FCA MCOB & CCA handbook would be advantageous
Personal Attributes• Excellent communication skills with the ability to influence stakeholders and manage expectations• Good organisation and strong attention to detail.• Energetic and dynamic, a self-starter who is keen to work hard and help develop the business.• Passionate about providing extraordinary service to our clients.• Inquisitive mind set- ability to problem solve and take ownership of creating positive outcomes• Loves working as part of a wider team and interacting with a variety of stakeholders at all levels.