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Job Title: Lending Officer Location: Hybrid/Warrington - 2 days a week in the office after training Salary: Confirmed on application Hours: Monday to Friday 9 am to 5 pm Benefits: 15% Contributory Pension (10% Employer, 5% Employee) 26 days holiday plus bank holidays, which increases with service Private Health Insurance Critical Illness Insurance Death in Service Insurance Income Protection Digital GP 24/7 Dental Cover Health Assessments A day off for your birthday Generous maternity and paternity benefits Paid Carers leave Employee Assistance Programme Cycle2work Scheme Benefits Hub; large selection of?employee discounts, rewards and?perks across?a number of?brands,?restaurants, holidays and "away"?days.?? About our Client: Our client is a specialist business bank on a mission to become the best in their category. Only launching less than 10 years ago, they have been recognised for their trusted products and innovation, winning 28 awards and counting. With a focus on Equality, Diversity, and Inclusion, they've increased women in senior positions from 1 in 5 to 1 in 3. Following probation, our client offers varied training opportunities for you to grow and develop your skill set. Hard work does not go unnoticed as our client has a discretionary bonus scheme. They throw events including a summer party, Christmas celebrations, and activities like sporting events and quiz nights for team bonding. About the Role: The successful candidate will support the Business Development Managers with creating credit applications for Commercial Real Estate Loans, and structuring deals, whilst being the first point of contact for the broker network. For this role, we are looking to speak to candidates who have experience in packaging mortgage applications within a brokerage, lender or a bank. Responsibilities: Help to support and manage relationships with key regional brokers, accountants and other professional introducers, ensuring they adhere to the bank's core lending policies and values. Often being the first contact point. Support the relationship with key partnerships with other local professionals in the drive for new business, often acting as their first contact point. Help to proactively manage the pipeline of new business opportunities and support the execution of new deals in a timely fashion, providing regular updates to the BDM and Commercial Director Support the local personalised relationship model for all customers with a clear focus on speed of delivery and transparency in all dealings Achieve agreed team financial targets across all measures Respond within agreed timescales to all enquiries and referrals, giving superior customer service at all opportunities, often being the customer's first contact with the bank. Identify and seek opportunities to promote the bank Help support and formulate appropriate local strategies and plans to exceed the banks overall goals as set by and agreed with the BDM & Commercial Director Meet and exceed personal goals as set by the Business Development Co Ordinator Achieve exceptional and best in class customer feedback Ensure customer conduct and TCF values are adhered to across all disciplines and with all stakeholders Respond to, as appropriate, all customer complaints and areas of dissatisfaction and take measures with the BDM to rectify these Support the BDM in maintaining and managing the lending book with minimal bad or stressed debt, highlighting any areas of concern Respond to all appropriate customer enquiries within the agreed timescales and to be transparent and clear in all correspondence Maintain up to date, accurate and transparent customer records Help ensure that appropriate control frameworks are in place and adhered to across all measures Help to ensure that the local broker panel is maintained, and core lending values are met with appropriate customer outcomes Experience required: Strong intellect, professional approach, directed towards SME customers Experience within banking and/or the mortgage sector Experienced in packaging mortgages, or handling mortgage administration. Self-starter, with a flexible but robust approach, good team player, commercial, business focused and pragmatic, able to work independently essential Good organisational and negotiation skills Customer centric with experience in direct customer contact Good knowledge of credit processes and risk assessment Trusting Stellar Select: At Stellar Select, our commitment goes beyond recruitment; it's about crafting experiences that elevate your career journey. We take pride in delivering excellent services to our candidates and always going the extra mile to ensure your success. Our foundation is built on openness and transparency. We believe in clear communication with everyone we work with, fostering an environment of trust, honesty and fairness. Embark on your career journey with confidence, knowing that our services are designed with your success in mind. Here's what our complimentary service includes: 1-2-1 Experience Discussion: Your experiences matter. Engage in personalised discussions about your journey and how it aligns with the job role. Interview Preparation: Step into interviews with confidence. We provide thorough preparation to ensure you shine in every interaction. Negotiation of Job Offers: We'll manage the negotiations on your behalf, aiming for offers that align with your expectations. For more information regarding the role of Lending Officer please contact us Stellar Select is acting as an employment agency and is a corporate member of the REC
Join our Safer Estates Team as an Enforcement Officer and help enforce Torus housing policies on Anti-Social Behaviour (ASB), Harassment, Hate Crime, and various tenancy breaches. As a Safer Estates Enforcement Officer, you will manage serious and persistent ASB and tenancy breach cases, stepping in when early intervention measures fail and legal action becomes necessary to uphold tenancy conditions. Your role includes providing case advice, effective case management, and precise evidence gathering to support Neighbourhood Teams. You'll also identify cases that need escalation for legal intervention to protect individuals and communities from the harmful effects of nuisance and ASB. Responsibilities: Work in partnership with internal departments and our key external partners to deliver effective tenancy compliance to our customers that are consistent, professional, and accessible. Proactively manage and respond to cases of anti-social behaviour, including hate crime and domestic abuse. Liaise with, advise, and support Neighbourhood Officers dealing with housing related nuisance and other tenancy breaches to ensure a consistent approach and ensure that case referrals to the team are made in a timely manner. Work collaboratively with colleagues in the preparation and service of legal documents including Notices. Work with Neighbourhood Officers to identify any additional or alternative sources of evidence to use in supporting cases. To advise how to obtain this evidence as quickly as possible and in the most appropriate form. Undertake case work including, but not limited to, interviews, preparing witness statements, liaising with appropriate legal advisors, giving evidence at Court and accurate and timely recording on the ASB case management system. Understand the relevant legislation and legal remedies available to handle difficult and complex cases, working with the team and the Safer Estates Team Leader and/or Service Lead to ensure swift and effective outcomes. Ensure witnesses are provided with appropriate support throughout any investigation. To prepare witnesses for attending and presenting evidence in court, including the provision of transport where necessary. Liaise with and make referrals to other support agencies as necessary to ensure all possible preventative action has been taken. Liaise with and make referrals to mediation service, if appropriate. Assist with developing and maintaining links with the community to ensure that the company approach to anti-social behaviour is understood and reflects community perceptions and expectations. To have knowledge and understanding of the Company's business policies and work to them at all times, including adherence to the Company's Data Protection Policy. To ensure all notes and evidence relating to casework are accurate and up to date on the housing management system. Ensure that H&S policy and procedures are adhered to and embedded to deliver effective and safe services and operations, ensuring that Risk Management and the use of the appropriate kit is embedded into lone working practices. Promote safety and protection of vulnerable adults and children by ensuring that all safeguarding issues and concerns are reported promptly in accordance with Local Authority and Torus Safeguarding policies Skills & Experience: GCSE level education, or equivalent, or demonstrable experience CIH level 3 qualification, or willingness to complete Evidence of implementing strategies, policies, operational plans and managing risk Excellent IT skills Excellent knowledge of industry best practice Excellent knowledge of housing management related IT Systems Up to date knowledge of national agenda and current policy issues in the housing sector and best practise in the field. Extensive knowledge and understanding of the relevant legal frameworks. What we offer: Join our team and enjoy a wealth of benefits designed to enhance your work-life balance and well-being. Here's what we offer: Generous Annual Leave: Start with 25 days plus bank holidays, increasing to 30 days after five years of dedicated service. Family Support: Enjoy enhanced maternity, paternity, and adoption pay, ensuring you can focus on what matters most during significant life events. Financial Flexibility: Take advantage of our holiday purchase scheme, Aviva pension plan, and Salary Finance for affordable loans. With Wagestream, access a portion of your pay instantly. Travel and Transport: Explore our lease car scheme and employee discounts on various products, including bikes and holidays. Continuous Learning: Access a range of learning opportunities, including e-learning workshops and support for professional qualifications. Recognition and Well-being: Participate in our reward and recognition schemes, volunteer in your community, and benefit from enhanced sick pay and discounted gym memberships. Flexible Working: We champion flexible and agile working, supporting your individual needs and preferences. Comfortable Workspaces: Enjoy well-designed offices with excellent public transport links, alongside access to employee assistance programs and occupational health support. Health and Wellness: For eligible employees, we offer BUPA health expenses coverage, ensuring your health needs are taken care of. Interview Process: Candidates will undergo in-person interviews, consisting of a competency-based interview. Additional Information Each successful applicant will be required to complete the following pre-employment checks prior to a start date being agreed: Right to work verification Qualification certificate check 2x completed references OH Health Questionnaire - Fit For Work DBS check (if required for role) Completion of all new starter documentation including signed T&C's Join us and thrive in a supportive environment that values your personal and professional growth.