Mortgage Sales Executive - Guernsey

Overview
The Mortgage Sales Executive will support the team in sourcing profitable new mortgage customers both directly and through the broker channel, in line with the company strategy and corporate plan. This role involves effectively handling customer enquiries from new and existing customers and positively developing the Skipton International brand in the marketplace.

Key Accountabilities

• Liaise with existing and potential mortgage customers to retain/extend existing relationships or establish new ones.
• Conduct LCF compliant mortgage meetings with new/existing clients to complete approval in principle calculations and package mortgage applications to Skipton requirements before submitting to onboarding and credit teams for review.
• Enhance and promote Skipton’s image and reputation through contact with customers, brokers, and the public regarding Skipton’s mortgage business.
• Assist the Senior Mortgage Sales Manager/Chief Commercial Officer with project work as required.
• Engage with local, UK, and international brokers to promote Skipton International's product range.
• Work closely with local industry professionals such as estate agents, solicitors, brokers, and others to ensure smooth processing of applications.
• Champion the customer experience with Skipton and ensure outcomes are appropriate for customers.
• Deliver excellent service to customers and/or stakeholders.

Requirements

Essential:

• Qualification: Full CeMAP (or equivalent) qualification is desired, although full training will be provided – mandatory for Guernsey colleagues.
• Skills:
  • Excellent communication and interpersonal skills (phone and face-to-face).
  • Ability to respond to enquiries efficiently and in a customer-friendly manner.
  • Confidence in contacting and dealing with external parties.
  • Ability to work independently.
  • Ability to manage multiple applications and meet deadlines.
  • Excellent attention to detail.

Desirable:

• Skills:
  • Experience in independently interpreting and communicating more complex and/or sensitive information in less straightforward situations.
• Knowledge:
  • Financial services regulation.
  • Anti-Money Laundering obligations.
  • Jersey, Guernsey, and UK property markets and conveyancing processes.
• Experience:
  • Prior customer-facing experience.

Tax Reporting Assistant Manager - Guernsey

We are looking for an Assistant Manager to join our team, dealing with various tax regimes in accordance with government requirements and our Butterfield procedures.

Your responsibilities will include:

• Preparing annual FATCA & CRS reporting for submission to the appropriate government authorities.
• Ongoing remediation of CRS and FATCA clients, where necessary.
• Ongoing review of electronic client records to identify potentially reportable clients/changes in circumstances.
• Accurately arranging and monitoring updates of the customer electronic and permanent records.
• As FATCA & CRS requirements evolve, ensuring knowledge is kept up-to-date.
• Working closely with the wider team regarding changes to the QI agreement.
• Performing any tasks and/or projects as may be agreed from time-to-time.

Your qualifications and skills include:

• A good understanding of client KYC/CDD requirements
• The ability to produce accurate output whilst working unsupervised and to tight deadlines
• The ability to efficiently prioritise workloads
• Excellent organisational skills
• Good communication skills

Lending Specialist (Underwriting)

This role would ideally suit a candidate with good lending experience that is looking to join an organisation where there is plenty of opportunity to progress.

Your responsibilities will include:

• Working as part of a busy front office lending team 
• Meeting clients, answering queries and reviewing mortgage and loan applications within agreed SLAs (either via email or telephone) and delivering exceptional client service.
• Acting as both an internal and external credit advisor assessing client structures and devising client centric solutions
• Reviewing and renewing existing loan facilities
• Presenting cases at the bank’s credit committee
• Assisting other Lending Officers in the approval and conclusion of the facilities they underwrite
• Working with other departments including Credit Risk & Credit Ops to ensure credit facilities remain within our defined risk strategy and ensuring that risk culture is built into all new product design, case submission and portfolio review
• Making recommendations for continuous improvement to the lending process
• Contributing to CI lending targets

Your qualifications and skills include:

• Minimum 5 years’ finance/banking/lending experience (o equivalent)
• Holds or is prepared to undertake qualifications e.g. CEMAP
• Excellent administration skills
• Speed, accuracy and reliability
• Excellent communication skills
• Co-operative attitude

Does this sound like you?