Senior Mortgage Broker

We are working with an established and highly regarded specialist mortgage brokerage is looking to appoint an experienced Mortgage Broker / Mortgage Adviser to join its growing team in Coleshill.This is an excellent opportunity for a CeMAP-qualified Mortgage Adviser who already has experience dealing with adverse credit and complex mortgage cases and wants to work in an environment where leads are provided, earning potential is uncapped and there is no requirement to cold call or prospect for business.The business specialises in cases that often fall outside standard high-street lending criteria, including clients who have previously been refused a mortgage, have adverse credit, are self-employed or work as contractors.The RoleYou will manage mortgage enquiries from clients across the UK, providing specialist mortgage advice and identifying appropriate solutions for more complex circumstances.Importantly, all leads are provided. This is not a cold-calling or prospecting role.You will:Advise clients on specialist residential mortgage solutionsManage adverse credit and complex mortgage casesWork with clients who may have CCJs, defaults, historic credit issues or previous mortgage declinesAdvise self-employed and contractor clients with more complex income structuresAssess client circumstances and affordability before recommending suitable solutionsManage cases efficiently from initial enquiry through to applicationBuild strong relationships with clients, lenders and internal colleaguesIdentify appropriate protection opportunities alongside mortgage adviceMaintain excellent compliance and customer-service standardsManage a strong pipeline of business in a busy, high-volume environmentWhat We’re Looking ForThis role would suit an experienced Mortgage Adviser who enjoys finding solutions for cases that aren't always straightforward.Essential requirements:Fully CeMAP / MAQ qualifiedQualification must have been held for at least 12 monthsMinimum 1 year’s mortgage advisory experienceProven adverse credit mortgage experience – this is essentialExperience dealing with complex mortgage applicationsStrong knowledge of the mortgage application processExcellent telephone and client communication skillsStrong organisation and pipeline-management skillsResilient, positive and commercially drivenComfortable working in a busy, target-driven environmentStrong team-player mentalityApplications from brokers whose experience is solely mainstream/high-street mortgages without adverse-credit exposure are unlikely to be suitable.Salary & Commission£35,000 – £45,000 basic salary, depending on experience.On top of your basic salary, you will receive an uncapped commission scheme.The current structure includes:Mortgage commission payable once the monthly fee threshold is achieved7% mortgage fee bonus under the current schemeAdditional 20% commission on protection businessExisting advisers are currently achieving the required mortgage fee levelsThe role therefore offers significant earning potential for an experienced and productive broker. The commission structure in the supplied profile is in addition to the £35k–£45k basic salary.BenefitsAlongside the basic salary and uncapped earning potential, the package includes:All leads providedNo cold calling or prospectingMonday–Friday workingNo weekends23 days’ holiday plus bank holidaysYour birthday offCompany pensionBUPA healthcare after probationDeath in service benefitOngoing specialist mortgage training and developmentRegular staff incentive schemesTeam outings and social eventsFriendly, energetic office environmentColeshill location with convenient access to the M6 and M42If you are a CeMAP-qualified Mortgage Broker / Mortgage Adviser with proven adverse credit or specialist mortgage experience, we would like to hear from you.