Lending Assessor; Mortgage Processing

Overview

Hampshire Trust Bank is a specialist bank, staffed by experts focused on helping UK businesses realise their ambitions. We offer niche specialty lines, as a SME bank, targeting under-served segments. Our dedicated Wholesale Finance, Bridging Finance, Development Finance and Specialist Mortgages teams ensure that businesses receive the outstanding service, lasting relationships, integrity and expertise they need to prosper.

Having grown to become a leading name in the specialist buy-to-let market, our Specialist Mortgages division provides buy-to-let, residential and semi-commercial investment loans up to £25m to professional UK property investors and landlords. The division continues to drive forward its growth ambitions through increased market share, expanding our proposition through innovation, and a constant focus on improving the broker experience.

In this dynamic role, the Lending Assessor shall provide quality checking at key stages of the application process along with administrative assistance and support to the Specialist Mortgages Underwriting Team and to the Group’s broker partners to progress loan applications.

The working pattern for the role will be hybrid, with a minimum 50% of time spent in our London offices.

• Ensure all data held on the origination system is of the highest quality for accurate reporting and future engagement with our customers and/or their affiliates.
• Undertake monthly reviews of new applications set-up, formal offers, data accuracy on origination systems and completions.
• Ensure timely completion of monthly audits.
• Identify any potential risk(s) and ensure these are addressed accordingly.
• Evaluate telephone calls monthly, or by management’s request, to ensure the highest standards of customer service are maintained and delivered to our customers and their affiliates.
• Communicate feedback accurately, concisely, and constructively.
• Conduct and complete an initial review of documentation received, ensuring all required items and documentation have been provided and are satisfactory.
• Ensure all required credit, AML, and Land Registry searches (together with any other documentation as required) are completed accurately and are attached to the case for underwriting assessment(s).
• Update searches in the event they expire during the process.
• Provide assistance with the valuation processes, updating the origination system as required and proactively chasing any requirements needed from valuers for the underwriter to proceed to offer.
• Ensure brokers receive excellent client service during the offer sanctioning process, providing regular updates, and proactively chasing requirements to support a swift turnaround for offer.
• Efficiently produce high quality and accurate mortgage documentation upon a loan being sanctioned.
• Manage all key data requirements, ensuring data entry are accurate and completing any remediation required.
• Accurately input appropriate data into the Phoebus system.
• Support the division with any general administrative needs as required.

• Previous experience in a mortgage processing role with a lender, packager or broker (desirable, but not essential)
• Proficient using Microsoft Office packages (including Excel & PowerPoint).
• Good standard of education, including GCSE English and Maths at Grade C or above (or equivalent).
• Exceptional attention to detail, rigor, and accuracy.
• Excellent planning, organisation and interpersonal skills.
• Self-awareness and resilient.
• Portrays risk awareness through curiosity and questioning.
• Willingness to learn and develop new skills.
• A self-starter with a high level of initiative and professionalism.

• Competitive remuneration
• Discretionary annual bonus
• Annual pay review
• Private Medical Insurance (Bupa)
• Mental health & wellbeing support via YuLife & Bupa
• 25 days annual leave (increasing with service) + Holiday Buy Scheme
• Cycle to Work Scheme & Green Car Scheme
• Enhanced family leave policies
• Study support & professional memberships
• Hybrid working (50/50)
• YuLife Rewards – lifestyle & retail discounts
• Pension scheme – 8% employer contribution (non‑contributory)
• Interest‑free season ticket loan
• Annual volunteering day & Net Zero employer commitment