Lending Specialist

Location Durham
Contract Type Permanent
Hours Full time

We’re Atom

The bank that’s leading the fintech charge.

We’re not like the rest. We’re true innovators, and we’re redefining what a bank should be. Ours is a bank for today and the future, a mobile-first bank. Forget the stuffy branches, with Atom you can bank whenever, wherever, faster and simpler.

Based in Durham, we’re committed to bringing world-class career opportunities and developing a strong tech culture in the North East. Our team currently has over 400 brilliant people and is still growing; could you be the next innovator to join us?

We’re looking for mindful, empathetic and self-aware people to join our teams in Durham and London and help us innovate and disrupt the market with our cutting-edge, digital banking solution.

What’s it all about?

Our Lending Specialists work as part of the Lending Team and are responsible for processing lending applications, for residential mortgage and commercial lending products and for both new and existing customers, from initial application submission right through to completion.

We want to make sure we’re offering our customers a first-class service by getting it right the first time, therefore the Lending Specialist’s main responsibilities will be to ensure that all information received in support of an application is accurately assessed within designated SLAs, the customer and other stakeholders are kept well informed and the system is updated to reflect action taken.

The Lending Specialists’ deal with queries from Atom-selected mortgage and commercial finance intermediaries, property valuers and our legal conveyancers, and therefore need to be able to communicate effectively with all types of people, across a variety of channels (email, telephone, live chat and social media). Sometimes the messages the Lending Specialists need to deliver might not be the news that applicants were hoping for, so the ability to be empathetic and professional is essential, whilst also making sure that sensitive and confidential data is managed appropriately at all times.

To get off to the right start in this role, we expect Lending Specialists to have a good working knowledge of the end to end lending application life cycles, from application to decisioning right through to completion, general servicing and post completion activities, ideally for both residential mortgage and commercial loans. It’s important that our Lending Specialists are proactive, as we will expect the successful applicant to quickly get up to speed with our lending policies, procedures, products and systems. Don’t worry though, we’ll provide plenty of training and support to make sure the successful applicant will have all of the knowledge and skills required to do a great job!

The Lending Team work closely together and are comfortable bouncing ideas or queries off one another, so we’d love you to have the confidence to make your mark and collaborate with others. After all, we’re here to change the future of banking for good so we’ll depend on our Lending Specialists to identify ways we can improve our processes, enhance automation (especially in decisioning), maximise broker and customer experience, improve controls and increase output.

What will your typical day look like? Different that’s for sure…

As a Lending Specialist at Atom, you will be responsible for;

  • Delivering excellent service by processing both residential mortgage and commercial lending applications from submission through to completion accurately and within agreed SLAs.
  • Effectively communicating with customers, intermediaries, stakeholders and 3rd parties to deliver clear and concise updates using Atom’s ‘tone of voice’.
  • Making sure every interaction is as proactive and positive as possible, ensuring all interested parties are kept up to date at every step of the process.
  • Using initiative to make decisions within your delegated authority and making recommendations to the appropriate person(s) where decisions fall outside of your authority.
  • Identifying and reporting any suspicious activity or concerns with the validity of information or documentation provided as part of the application process.
  • Ensuring accuracy and efficiency when reviewing applications and supporting documents and when keying information onto the lending systems.
  • Building great relationships with Atom’s Underwriting, Business Development, Customer Sservice and other teams, who you’ll work with really closely.
  • Being proactive, sharing knowledge, ideas and co-creating with others.
  • Looking for opportunities for areas of self-development and improvement.
  • Complying with company lending policies, risk appetite, controls, procedures and regulations.
  • Staying up to date with all mandatory compliance training and learning.
  • Demonstrating you are meeting your key responsibilities through regular quality checking and performance management (121s, end of year review).

What do we need from you?

  • A good understanding of loan application processes (mortgage and/or commercial).
  • Document assessment capability – covering income verification, ID and other application related documents.
  • Experience working in a fast paced, service focused and customer centric environment.
  • Fast Learner – there’s lots we need you to know about Atom and our customers to make sure we exceed expectations in everything we do.
  • Passionate about delivering service excellence.
  • A great communicator – we interact with our customers, intermediaries and suppliers across a range of channels so your verbal and written communication skills need to be on point.
  • Quality focused - with a strong attention to detail & ability to take a methodical approach so that everything you are processing is of high quality.
  • Resilient – the ability to resolve tasks and issues and anything else we throw at you.
  • Organised – ability to manage conflicting and demanding clients and priorities we need to make sure we meet our service levels

What would we ideally like from you?

  • Experience operating within a lending environment, covering a variety of sectors and lending types
  • Strong IT skills.
  • Strong analytical skills.
  • Appropriate professional qualifications; CeMAP, ACIB, Diploma in Business Banking or equivalents.

What you’ll get from us?

  • Competitive Salary
  • Annual Share Option – performance related
  • Incredibly generous company pension scheme (maximum of 13% of Atom input – candidate can put in more)
  • ‘All About Me’ fund: £200 per year to spend on personal development
  • 25 days holiday + 8 statutory days (rising by half a day with every year in the company)
  • Private Medical Insurance for you and full family
  • Health Cash Plan – expenses paid on Optical/Dental/other appointments/treatments
  • Life Insurance – 4 times annual salary
  • Critical illness cover – 1 x lump sum annual salary
  • Cycle to work Scheme
  • Continuous development – professional qualifications
  • Challenging and exciting working environment

PLEASE NOTE: You must have the legal right to work in the UK to apply for this role as Atom bank are unable to support Visa Applications/Sponsorship.

All roles within Atom must adhere to the Conduct Rules as set out by the Prudential Regulation Authority (PRA) and Financial Conduct Authority (FCA).