Completions Officer

Completions Officer

Department: Mortgages

Employment Type: Full Time

Location: Fleet

Reporting To: Melissa Trainor

Description

The completion process is the last step in the journey to become a customer. You will be responsible for ensuring all mortgage offer conditions are satisfied and financial threats through security risk, financial crime or error are managed so that customers complete loans when they need to and that these comply with their offer of advance. Managing all title registrations after completion, liaising with legal teams on a daily basis to ensure all solicitors have complied. The Completion officer will liaise and provide guidance to Intermediaries, valuers and solicitors on lending policy and internal processes.

Key Responsibilities

• Work closely with Solicitors, Underwriters and Intermediaries, collecting outstanding documents.
• Answering queries and ensuring all legal documents and conditions from the mortgage offer are satisfied in a timely and professional manner.
• Work closely with Underwriters or case managers to ensure special conditions and legal enquiries have been satisfied prior to completion.
• Liaise with Solicitors, checking Certificate on Title is fully completed and ensuring funds have been requested in time for completion to take place.
• Responsible for all company charges to be registered within 21 days, liaising with legal teams if any issues arise.
• Responsible for ensuring that all titles have been registered with Land Registering, following up with solicitors when title registrations have not taken place.
• Processing completions for BTL loans.
• Processing of Certificates of Titles (COTs) to ensure compliance with all mortgages offer conditions prior to sign off by a senior team member for approval for funds release.
• Referring to the UKF handbook and other resources for guidance on conditions being met by solicitors.
• Dealing with various other ad hoc duties that help to assist the Operational Lending team to ensure a smooth day to day running.
• Capability of meeting service level agreements and maintaining excellent customer service.

Skills, Knowledge and Expertise

• 12 months experience as a Completions Officer within a fast moving buy to let lender and Bridging lender is essential.
• 12 months experience in Title registration's and TR4 experience is essential.
• IT literate, including G Suite and Microsoft Office.
• Ability to prioritise tasks and manage time effectively, working on own initiative and as part of a team to meet SLA's and deadlines.
• Good verbal and written communication skills; able to remain calm under pressure.
• Attention to detail.
• Flexible approach and attitude.
• Confident in dealing with brokers and solicitors and third party stakeholders.

Benefits

• Competitive salary
• 25 days holiday PLUS your BIRTHDAY off
• Pension contribution with Royal London
• Life Assurance
• Private medical, dental and optical health insurance with Axa
• Hybrid working - Wrexham
• Free breakfast available