Collections Advisor

Aldermore Bank ,
Manchester, Greater Manchester
More Details

Overview

Job Description

Collections Advisor Manchester Full Time, Permanent Heard of us? We're an award-winning bank; backing people to fulfil life's hopes and dreams. Now is your chance... The Collections team is made up of 12 experienced Advisors and 2 Managers. We help mortgage customers to overcome problems that have led to their accounts being in arrears. We deal with customers in an efficient and accurate manner via telephone, email and letter correspondence to service residential and early commercial mortgage arrears customers, complying with regulation and internal policy. The best customer outcome is at the heart of our decision making. The role of Collections Advisor is really important to us. You will look after some of our more vulnerable customers ensuring The best customer outcome is at the heart of our decision making. Based in our dynamic Manchester office, you will sit amongst a team of 12 and report to the Collections Managers. What would your day look like? * Responsible for making key decisions on arrears cases from initial arrears episode to more serious arrears cases; this includes long term financial difficulties and litigation. * Direct contact with customers required across all arrears portfolios Owner occupied, BTL & Commercial (early arrears), by phone and email, maintain appropriate contact and records with customers where account payments are in arrears, as per the Collections and Recoveries policy and procedures. * Work with customers to develop required solutions to with a view to achieving the best customer outcome * Set up appropriate repayment plans going forward in line with the bank Forbearance, Conduct and Vulnerable Customer 'VC' policies along with financial conduction authority requirements. * Understanding of the mortgage litigation and recovery processes with responsibly for the issue of final demands and assembling borrower files for enforcement action. * Liaise and manage third party asset managers and conveyancing solicitors in the effective disbursement of property assets through effective sale or auction. What do we expect of you? * Experience of working in Financial services is essential (preferably mortgages) * Experienced in adhering to Collection processes including 'TCF' and Customer Vulnerability * The ability to deal with customers in difficult situations showing an epithetical approach to customers circumstances * Robust knowledge of conduct risk, mortgage conduct of business (MCOB) and Prudential Regulatory (PRA) rules. * Ability to work under pressure in a fast paced environment working to agreed SLA's and workforce planning systems * Good team player skills are essential with a track record of working within a dynamic team * Excellent organisational, communication, numerical and analytical skills. What can you expect of us? * A friendly and flexible culture, synonymous with our proposition to our Customers. * A smart yet comfortable working environment, well located for the daily commute and those lunchtime errands. * A growing organisation that defines itself as being nimble, lean and strong. * A drive for continuous improvement, for which you will be empowered to get behind from day one. * A visible and approachable ExCo; who you will very likely to bump into whilst making your morning coffee. And of course you will be compensated competitively, with a good range of core benefits and bonus potential. Still Curious? A lot can happen in a year! In 2019 Aldermore Group was formed; bringing together two very successful businesses, Aldermore Bank and MotoNovo Finance, under the First Rand umbrella. Whilst our parent company operates internationally from their HQ in South Africa, we are a UK-based financial services specialist that supports our customers across a range of products and services, with hubs throughout the UK, including London, Reading, Manchester and Cardiff. We also celebrated our 10th Birthday and fundamentally 10 years of helping those with ideas; by saying yes to our customers. We've propelled entrepreneurs on their journeys; we've given first-timers a leg-up onto the property ladder; and we've opened up the lending market to many. As for what the next 12 months has to offer; we are embarking upon the delivery of our Purpose; a Purpose that underpins our next 3 to 5 years as a growing business. Join us today and we will make the same Promises to you as an employee, as we do to each of our Customers. We do not accept speculative agency CVs. Any CV received by Aldermore will be treated as a gift and not eligible for an agency fee. PSL agencies should only send CVs if authorised to do so by HR. Where a DBS check or CIFAS check is identified as necessary, all application forms, job adverts and recruitment briefs will contain a statement that an application for a DBS certificate or a CIFAS check will ...

People also viewed