Mortgage and Protection Advisor

Recruiter
Spicerhaart
Location
Bristol
Salary
£100000/annum
Posted
15 Jun 2017
Closes
15 Jul 2017
Sector
Accountancy
Contract Type
Permanent
Hours
Full Time
Each of our Mortgage and Protection Advisers hold an essential role in being the ‘face’ of Just Mortgages. We are now looking for an experienced and talented Adviser or Senior Adviser in Bristol to complete a busy and successful office.

About Just Mortgages
Customers and colleagues alike chose Just Mortgages for one reason: they Just want the best. The best service. The best career. All of this with the best company. Is this too much to ask?
We don’t think so!

Just Mortgages is one of the UK’s premier mortgage brokerage and advisory services. We are also part of the UK’s largest independent property services companies: Spicerhaart.

About your Role
To generate revenue and product sales in line with the Just Mortgages’ business plan in a professional and compliant manner, through acquired introducers from outside of the Spicerhaart network. Just Mortgages’ success is impressive and far-reaching, offering a high quality mortgage and protection service to our customers whether they are looking for residential, buy-to-let, new homes or re-mortgaging advice.

Your duties will include:
-Identify and build relationships with introducers outside of the Spicerhaart branch network
-Canvass and prospect new introducers in line with company guidelines
-Work with introducers to create the optimum level of leads, involving attending morning meetings and appointments with prospective clients in their offices
-The ability to coach and develop introducer staff to create the volume and quality of referrals

-10 new first appointments per week
-1:4 sign up conversion to first appointments
-2 mortgages per week submitted
-Total Life to Mortgage penetration 90% (inc IPB)
-General Insurance to Mortgage penetration 60%
-Income Protection Benefit/ Lifestyle penetration 30%
-Fees to Mortgage penetration 90%
-Legal to Mortgage penetration 45%

-Act as a champion for the Fully Protected Mortgage and ensure that every customer benefits from this service
-Ensure all personal business targets are exceeded
-Promote a consistent, high quality, customer-focused approach to business processes, ensuring that the principles of Treating Customers Fairly (TCF) are adhered to at all times together with the companies compliance procedures
-Develop strong and effective working relationships with other members of the Just Mortgages sales team
-Adopt the business development initiatives and sales processes introduced by the company
-Promote all other products and services offered through the Spicerhaart Group Maintain a thorough understanding of Openwork Advice Standards and Operating Procedures and Just Mortgages internal standards. In practice, apply these procedures in order to deliver appropriate and affordable advice to all clients ensuring compliance with regulatory requirements.
-Maintain an excellent understanding of mortgage products and Legal & General’s protection and Paymentshield general insurance products.
-At all times work within the guidelines of the prescribed Openwork Network Adviser Performance Management Scheme
-Maintain high standards of personal appearance, and conduct all dealings with colleagues, external business partners and Just Mortgages clients in a professional, courteous and helpful manner in order to maintain and enhance the image of the company for the benefit of all parties concerned.
-It is a requirement of Just Mortgages that everyone within the organisation conforms to legal requirements in all activities, both internal and external. Implicit in this is that everyone conforms to the appropriate standards in terms of health and safety, but also works to the highest standards of business ethics.

In return for your hard work, we are offering:
-First Year’s Earnings £60k OTE - (top earners achieving £150K per annum).
-Prestigious company car along with other perks throughout the year.
-Laptop
-Lucrative earning potential through a competitive, uncapped commission structure.
-28 days holiday including statutory
-Pension
-Career opportunities
-On-going training and development
-Incentives and rewards (i.e. in the past we have travelled to Bangkok, New York and Abu Dhabi)
-Working with our market-leading Mortgage software to provide your clients with the desirable, ‘whole of market’ option.
-Not only this, we also strive to give you job security in a long and successful career with us.

About You
Can you demonstrate a passion for the Mortgage and Protection industry? If you do, and you also hold the following skills, we want to hear from you:

BEHAVIOURS
-Results orientated
-Strong customer champion
-Confident, professional and personal style
-Able to function independently and jointly as a member of a team
-Demonstrates an awareness of regulatory requirements and places significant importance on detail and getting it right first time

FUNCTIONAL KNOWLEDGE
-An excellent knowledge and understanding of mortgage products, Legal and General's protection policies and Paymentshield General Insurance products
-Previous experience as a Mortgage & Protection Adviser within an Estate Agency is desirable, but not essential
-Knowledge of all house purchase/ move related secondary services such as Conveyance and general Estate Agency operations
-Good level of technical and e-commerce knowledge to promote the services of Just Mortgages efficiently and effectively
-Knowledge of all Financial Services compliance rules and regulations
-An understanding of working within a Training and Competence framework

SKILLS
-CeMap or other industry recognised qualification
-Ability to identify and maximise potential business opportunities
-Strong negotiation and influencing skills
-Able to identify client and analyse client needs effectively
-An aptitude to coach and motivate others (specifically business generation)
-Willingness to learn new skills
-Excellent, empathetic communicator with a real flair for getting into the detail of things
-Ability to demonstrate excellence in your field
-Proven track record of working in a targeted sales environment
-Excellent customer service
-Proven customer relationship management experience
-Self-motivation to seek out new opportunities
-Previous use of mortgage-specific software
-Attention to detail
-Motivated
-Full driving licence

GENERAL BACKGROUND, EXPERIENCE AND QUALIFICATIONS
-6 months experience as a Mortgage Adviser / Financial Advisor or related role with experience of mortgages and associated products
-Awareness of latest products and market developments
-Relevant Professional qualifications to fulfil the role e.g. Certificate in Financial Planning, Certificate in Mortgage advice and practice (CeMap) or industry recognised industry equivalent
-The most successful Advisers at Just Mortgages have a passion for their work. This passion allows them to ‘think outside the box’ and not be afraid to Just stand out. This is what makes Just Mortgages stand out – and this is how you will become successful, too.

Just Apply!

Your next steps:
If you would like to be part of our success, please apply online and a member of the recruitment team will be in touch shortly