Mortgage Adviser- South East Wales
Location: Wales
Description: Natwest is currently seeking to employ Mortgage Adviser- South East Wales right now, this position will be placed in Wales. More details about this position opportunity please read the description below. The RBS Group is recognised as having one of the most innovative and flexible reward programmes in the financial services sector
Salary starts from £17240 pro rata to £25860
! An additional 25% benefit funding which gives you the option of choosing your own mix of either all cash and / or benefits - totalling £21550 to £32325 pro rata package
Opportunity to participate in bonus schemes
A huge range of discount vouchers which cover everything from childcare to shopping, wine and fashion
Discounted group products such as life assurance, private medical cover and insurance options
How does your role help you deliver Helpful Banking?
This role plays a significant role in helping us become the UK’s most Helpful and Sustainable bank as it works with customers to understand their mortgage related needs, form deep and meaningful relationships and advises and informs customers on the products and services that could benefit them. This role will contribute to Branch Performance through acquiring, retaining and growing business. This role will be regulated to provide a full Advice & Recommendation service th! rough the ongoing assessment of competence and the achievement! of the full Certificate of Mortgage Advice and Practice. The FSA’s Mortgage Conduct of Business rules apply to this role and therefore is subject to the Retail Bank T&C Scheme
What skills, knowledge and experience do you need to do the role?
You need the following for the role:
§ Maintain competence in the role as evidenced through ongoing supervision by Mortgage Supervisor § To be able to use sales technology and demonstrate basic PC skills and possess effective communication skills § Ideally proven sales experience including sales interviewing skills with a track record in exceeding sales, service and control targets § Basic knowledge of financial services and an in-depth knowledge of the Bank’s range of products § Full CeMAP preferred, as this qualification must be obtained within agreed specified time to be deemed fully competent § CeMAP 1 required before engaging in any contact with customers unaccompanied § Experience in dealin! g with a wide range of people in a customer service/retail environment § Ability to work both as part of a team and on your own, to adapt to new situations, use initiative, encourage and motivate yourself and others § Strong planning, time management and organising skills § Holds relevant professional qualification
NB The jobholder will be required to attain full competence in the PMA role before being signed-off and allowed to operate unsupervised; this includes the attainment of the full Certificate in Mortgage Advice and Practice (CeMAP) within an agreed specific timeframe of their appointment to a PMA position.
What do you need to do?
Customer Service
In this role you will need to:
Put customers and their interests at the heart of all you do ensuring quality, timeliness and an excellent customer experience
Conduct structured Mortgage sales interviews at all levels of service (as stated under the Mortgage Code); ! identifying and understanding customer needs and priorities to ensure t! he provision of best advice and excellent service
Refer customers to other key roles in the Branch (particularly Customer Advisers) to ensure ongoing customer contact is maintained for their future financial needs and priorities
Where complaints are received and/or errors found, ensure that these are promptly resolved, put right and learned from
Deliver great customer service through achievement of targets as outlined in the performance and development plan
Seek feedback from customers at and following customer reviews and act on this
Explain the features and benefits of other service channels, enrolling customers who are not registered during appointment
Ensure a targeted customer contact strategy is in place with a clear focus on retention and new business acquisition; specifically asking for referrals from existing satisfied customers
Support the implementation of Retail Transformation initiatives for the ben! efit of our customers and team
Understand what “TCF†means to you, your team and your customers and by delivering fair outcomes for customers in every interaction with them
People
In this role you will need to:
Use the Bank’s Performance Management process to:
Demonstrate evidence of strong partnership with Branch/ LCEO Cluster/ Regional teams within the Network whilst building excellent relationships with Branch teams and other relevant internal contacts to share/champion best practices with a view to maximising branch contribution
Identify local training needs and potential solutions; taking and participating in DOFTS, huddles and team meetings and buddying
Support Branch colleagues by giving regular feedback on referrals/appointments
Manage own mortgage pipeline to ensure applications, together with associated protection cross sales progress to successful drawdown and completion
Co! nsistently meet/exceed minimum performance standards for Mortgage inter! views as specified in the Bank’s assessment documentation
Work with your Branch / SBM Cluster/ Regional team to ensure that sufficient quantity and quality of appointments are booked in to your diary to guarantee the required number Kept Appointments will take place
Achieve the people related targets as outlined in the performance and development plan
Control
In this role you will need to:
Act professionally by meeting ongoing Continual Professional Development requirements
Maintain adequate quality of submissions to Mortgage Centre, as evidenced by Retail Compliance
Comply with internal and external; regulatory, operational, compliance, credit and key control systems and procedures
Provide expert Level 1 â€" Advice and Recommendation service; acting as a key point of contact for this service within the Branch/ LCEO Cluster / Region for referrals from Customer Advisers and Branch teams
Cons! istently adhere to Branch Banking’s key control procedures, operational processes and external Codes/requirements
Consistently follow Branch Banking’s standard sales and service processes including full and effective usage of all available sales technology
Achieve ‘Right First Time’ objectives
Demonstrate courage to do the right things by understanding what Treating Customers Fairly (TCF) means to you and your customers and delivering fair outcomes for customers in every interaction with them
The role must be conducted with adherence to the Treating Customers Fairly responsibilities
The role must be conducted with adherence to the Safety and Health responsibilities
Evidence that you implement effective controls through achievement of the control related targets as outlined in the performance and development plan
Financials
In this role you will need to:
Help the Branch grow quality re! venue through the achievement of the financial related targets as inclu! ded in the performance and development plan
How will you do it?
All Retail employees should demonstrate the UK Retail Helpful Banking Behaviours
I Care I am Proactive
I Simplify I am Professional
This role will be assessed as an Individual contributor.
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If you were eligible to this position, please email us your resume, with salary requirements and a resume to Natwest.
If you interested on this position just click on the Apply button, you will be redirected to the official website
This position starts available on: Fri, 19 Oct 2012 16:49:04 GMT