Business Unit: Direct Mortgages.
Salary Range: £32,000 - £40,000 per annum per annum DOE + benefits 
Location: UK Hybrid with occasional travel to a local hub.
Contract Type: Permanent.

Our Team

Here in Direct Mortgages, we are working hard to deliver a simply brilliant service to our customers and live our purpose – Banking – but fairer, more rewarding and for the good of society.

We have an exciting opportunity for experienced Mortgage Advisors with a proven track record in sales and compliance to join our established and growing Team.

You'll be responsible for conducting in-depth customer fact finds to understand their financial circumstances and mortgage requirements on an outbound appointment basis.

Simplifying mortgages and helping customers to get great advice and guidance is what the team strive to deliver every single day, and we pride ourselves on the quality of our application processing for a seamless customer journey in collaboration with our Underwriting Team.

What you’ll be doing

• Conducting mortgage appointments for predominantly Existing Customers to provide the most suitable Advice based on their objectives and circumstances.
• Demonstrating a high level of accuracy and attention to detail in applying Regulatory policy and processes to achieve consistently good customer outcomes.
• Putting yourself in customers shoes to feel what customers feel on every single interaction to build genuine relationships and rapport.
• Self-Manage your time via a diary appointment system and package your cases to Underwriters in line with Clydesdale policy and process.
• Assess and validate customer documentation to give an accurate Decision in Principle to customers.
• Be consistently clear and concise in communicating to both internal and external customers, with the ability to simplify complex scenarios.

We need you to have

• Full CeMap / CF6 qualification or equivalent.
• Individuals must have previously held a Competent Mortgage Advisor role with another FCA regulated firm.
• Great communication skills with a natural ability to engage and build rapport with various clients and stakeholders.
• An empathetic, flexible and positive working approach to suit customer needs and business demands.
• Strong organisational skills with the ability to prioritise workload.
• Excellent attention to detail, ensuring compliance with regulatory compliance.

Full induction training will be delivered and is expected to be on a full-time basis.

This is a certified role requiring annual certification as described within the FCA / PCA certification regime.

It’s a bonus if you have but not essential

• Resilience in a fast paced regulated environment.
• Ability to spot opportunities to innovate and simplify the customer journey.

Red Hot Rewards  

• 25 days holiday per year, increasing over time to 30. Plus, an option to buy more, giving you even more choice.
• Private medical insurance
• A highly competitive pension to help you build a strong foundation for retirement
• Access to an annual performance-related bonus
• Training and development to help you progress your career
• A great selection of additional benefits through our flexible benefits scheme
• Life assurance to provide peace of mind for you and your loved ones
• Up to 2 days of paid volunteering a year

If we’re lucky to receive a lot of interest, we may close the advert early. Please ensure to submit your applications as soon as possible.  

Say hello to Virgin Money 

Virgin Money is so much more than just a bank. As part of the Nationwide group, together we're the UK's first full-service mutual bank serving millions of retail and business customers and all driven by our purpose; Banking but fairer, more rewarding and for the good of society. With us, you’ll be part of an organisation uniquely positioned to make a difference to the lives of customers, communities and broader society and embark on a collaborative, customer obsessed, and fun-filled career journey. Embrace the weekdays, enjoy fantastic perks, and make a meaningful positive difference. Time to discover what it means to be part of the first mutual full-service banking provider.  

Be yourself at Virgin Money 

At Virgin Money, we celebrate everyone. We have fun, think big, and relentlessly include each other, all in pursuit of our purpose: Banking – but fairer, more rewarding, and for the good of society.  We’re committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard.    

As a Disability Confident Leader, we're committed to removing any obstacles to inclusion.  If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team careers@virginmoney.com

Please note: If we receive a high volume of eligible applications, we may need to prioritise candidates whose skills and experience most closely align with the role, while still ensuring fair and equitable consideration for all applicants.

Now the legal bit 
Although some of our roles allow you to be based anywhere in the UK, we'll need you to confirm you have the right to work in the UK. 

 If you're successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years' worth of satisfactory references.

As this role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks – we'll ask for six years of regulatory references, and once in the role, you'll be subject to periodic employment checks.